Most people have spent some time on their budget, and have in fact probably done a great job. There are different kinds of income though, so be sure to make a budget that is tailored to your specific needs. Lot’s of people make a steady paycheck, but there are also lots of jobs where your [...]
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Well, after living for a year without any cable TV. We finally broke down and got cable again. It was kind of a convenience thing since we were moving and setting up new utilities. Thought that we would give it a try. Now that we have gotten rid of all of our credit card debt.
The [...]
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My favorite part of almost every project is in planning. I like to spend most of my time looking at my options, coming up with a great solution, and then putting it to work. Planning is an extremely important part of your financial picture. You also need to go back through your finances periodically and [...]
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I heard a radio ad the other day for pay day loans. In the ad the lady talks about how she ran into a few unexpected expenses and needs money for right now. So in theory when you make money, you can spend it normally. When you have an extra expense, take out a loan, [...]
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What do you think of when you put the words diet and budget into the same sentence. Most people wouldn’t connect the two, but in fact they have some things in similar. Budgets are the financial diet of our life and a diet is an attempt to control our food diet. So when you are [...]
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Managing money and budgets can be extremely stressful. You hear how it’s the number one thing that couple’s fight over. Well, I can’t guarantee anything, but here are some ideas that can definitely reduce the amount of effort and stress you put into your budget.
#1 Put some money in savings first – I have money [...]
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Traveling when your on a budget is always a challenge. There are things that you can do to have a great trip and not spend very much money. The only thing you really have to willing to do is to spend some extra time figuring out what is important to you on our [...]
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Lots of people live on a budget and want to figure out ways to make their dollar stretch farther. This makes lots of sense and here are a couple things that people tend to forget when they look to save money by coupon clipping and such. One things that saved me lots of [...]
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Alright, now remember we’re working towards saving money and getting in a better financial situation. So now that we have our sample budget, lets look at ways to rearrange it. What you need to examine is where you are spending extra money in your life. Lets say that I love to [...]
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so lets say that you’ve gone through and decided on what category all of your spending falls into. here’s a sample budget of the way I do it.
Have to Have:
Rent: 750
Food: 500
Gasoline for 2 cars: 200
Electricity: 160
Emergency Fund: 50
Need to Have:
Cell phones for 2 140
insurance: 150
savings: 150
Credit Cards: 100
Nice to Have:
entertainment: 150
hobbies: 100
cable tv 50
Total [...]
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