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Tag Archives: Budgeting
Dave Ramsey Financial Peace University: Week 3
This is a series of posts about what you will find in Dave Ramsey’s Financial Peace University course. This is week three (week one and week two) The lesson for this week was cash flow planning, also known as budgeting. … Continue reading
Posted in Budgeting, Credit Cards, Debt, Frugal, Personal Finance, Relationships, Saving Money
Tagged budget forms, budget software, Budgeting, cash flow planning, Debt, emergency fund, envelope system, financial problems, four walls, giving, money plan, where the money is going, zero based budget
10 Comments
The Importance of Identifying the Cause of the Problem
Regardless of whether you are looking to reduce spending for the purposes of debt reduction, or for saving, the first thing that must be done is to identify where you are spending money unwisely. If you are not ready to … Continue reading
Why Literacy Is An Important Financial Building Block
“More than 20 percent of adults read at or below a fifth-grade level – far below the level needed to earn a living wage.” – National Institute for Literacy “Nearly half of America’s adults are poor readers, or ‘functionally illiterate.’ … Continue reading
Posted in Education, Entertainment, Personal Finance, Relationships
Tagged book clubs, Budgeting, comprehend, Credit Cards, Debt, financial literacy, functionally illiterate, interest, Investing, literacy, literacy skills, living wage, read to kids, read write, reading choices, saving, Saving Money, story hours, summer reading
13 Comments
Budget Categories That Our Grandmothers Didn’t Have To Worry About
When talk of saving money comes up, it usually leads to talk of the “good old days” when things were simpler and less expensive. Many people reminisce about the days when a stamp was ten cents, a loaf of bread … Continue reading
Posted in Budgeting, Credit Cards, Personal Finance
Tagged budget categories, Budgeting, grandparents, how to budget, new categories
13 Comments
A Life Without Debt: Saving For The Fun Of It
It sounds like a no-brainer, but a big part of what keeps us out of debt is simply not spending too much money. Whether it’s on splurge items or our regular budget items like utilities, clothing, etc. we are always … Continue reading
Posted in Budgeting, Frugal, Personal Finance, Saving Money
Tagged Budgeting, complacency, cutting waste, reducing costs, Saving Money
11 Comments
Trash the Budget and Get Happy
In 2008 you worried and logged every cent you made. You made out a budget and tried to stick to it. Every month you failed. Something came up and you overspent. It caused a great deal of tension and maybe … Continue reading
Posted in Budgeting, Personal Finance, Saving Money
Tagged budget, Budgeting, how to budget, Personal Finance, save money, save money without budgeting, spending
2 Comments
Why I Force My Kids to Contribute to Birthday Party Gifts
Although my wife and I may not be the most social of couples, our kids more than make up for our willingness to miss parties. My kids have always been popular with their peers and, when they were younger, routinely … Continue reading
Go After the High Hanging Financial Fruit
Not long ago I wrote about low hanging financial fruit. These are the easy things you can do to save money that don’t require a lot of time, effort, specialized knowledge, or lifestyle alterations. Now I’d like to move on … Continue reading
Posted in Frugal, Personal Finance, Saving Money
Tagged Budgeting, Personal Finance, reduce expenses, save money, Saving Money
1 Comment
How Come I’m Broke and You’re Not?
One of the questions I’m asked most frequently is, “How did you learn so much about finance?” The subtext to the question is usually along the lines of, “I know you aren’t a genius or good with numbers, so how … Continue reading
Posted in Budgeting, Education, Personal Finance, Relationships, Saving Money
Tagged Books, budget, Budgeting, Debt, finance books, financial education, Personal Finance, save money, Saving Money, spending money
5 Comments
The Money Journal Challenge
Are you left with more month than paycheck? Are you trying to stick to a budget, but can’t understand where all your discretionary income is going? Do you always end up searching the couch cushion and car seats for extra … Continue reading
Posted in Budgeting, Personal Finance, Shopping
Tagged budget, Budgeting, money diet, money journal, Personal Finance, track spending, tracking money
2 Comments
Throw Out The Budget
I find budgeting unreliable. Whatever method you use to budget, there is a good chance you are wasting your time, and possibly money. Just to be clear, when I say “budget,” I mean trying to predict how much you will … Continue reading
Posted in Budgeting, Personal Finance, Saving Money
Tagged budget, Budgeting, Personal Finance, save money, Saving Money
13 Comments
Start: Your Finances Won’t Get Better Until You Do
You know you need to pay attention to your finances and create some kind of spending plan. So why haven’t you started? Are you just waiting for the right software, book, or moment? Maybe you feel overwhelmed. The reasons for … Continue reading
Posted in Personal Finance
Tagged begin, Budgeting, motivation, Personal Finance, save money, Saving Money, start
5 Comments
Why You Don’t Want A Budget
Conventional wisdom says that you should have a budget to get the most out of your money. While I believe a budget is a good thing to have when money is tight and you are first learning how to take … Continue reading
Posted in Budgeting, Personal Finance
Tagged budget, Budgeting, happiness, happy, Personal Finance, what's important
30 Comments
How to Opportunity Budget
When setting up and running a household budget, the most important thing is that it works for you and your household. There are many good systems and practices that people may recommend, but the ultimate test of such a system … Continue reading
Posted in Budgeting, Personal Finance, Saving Money, Shopping
Tagged Budgeting, deal, funds, opportunity budget, Personal Finance, save money, Saving Money, system
7 Comments
When Staying In Becomes More Expensive Than Going Out
A neighbor recently announced that she was getting serious about getting out of debt and saving for her family’s future. “Good for you,” I said and meant it, right up until she started detailing her plan for becoming more frugal. … Continue reading
Posted in Budgeting, Housing, Personal Finance, Saving Money
Tagged Budgeting, Personal Finance, redecorating, save money, Saving Money, stay-at-home
11 Comments
Don’t Monthly Payment Yourself to Death
Most people are probably painfully aware that gas prices have been rapidly increasing over the last couple of years (and especially months), thus also increasing the costs of any items needing to be delivered from anywhere, the most common being … Continue reading
Posted in Budgeting, Personal Finance
Tagged bills, budget, Budgeting, money, monthly statement, payments, Personal Finance
6 Comments
How Your Budget Can Help Your Memory
Do you ever find that it is difficult to remember things? A weak memory is often hard to fix, but there are some things you can do to help yourself remember things. I’ve actually found that having a budget helps … Continue reading
Posted in Budgeting, Personal Finance
Tagged budget, Budgeting, memory, money, Personal Finance, reminder
5 Comments
Funding The Holidays: Twelve Funds of Christmas
Christmas cheer kicked in when I returned from my vacation and decorated my house. I emptied my Post Office box into a bag, then onto my table. Christmas cards (I scribble on a notebook some addresses before the envelopes disappear), … Continue reading
Posted in Frugal, Holidays, Personal Finance, Saving Money, Shopping
Tagged 12 days, Budgeting, Christmas, funding, holiday, Personal Finance, save money, saving, Shopping
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A Simple Way To Budget? (Your Advice)
Many times it helps to hear how other people do the things and to use their examples to best fit your needs. That is such a question that came by e-mail the other day regarding how to budget: I know … Continue reading
Posted in Budgeting, Personal Finance
Tagged budget help, Budgeting, Microsoft Money, money question, organization, Quicken, simple budget, your advice
10 Comments