Do you feel like you just can’t get ahead with your finances? You’re not alone. There’s a solution – live below your means. While it’s simple in theory, putting it in practice takes discipline. But it’s so worth it.
Even with a budget, some expenses can wreck it without planning ahead for those. Sinking funds are the way to incorporate these budget categories. These are different than emergency funds which we save for those unpredictable expenses that surface.
It’s not just one big thing that’s the secret ingredient to save money for your emergency fund, vacation, or to pay off debt. It’s a series of small steps that we take to get there. By incorporating these good habits, you’ll start seeing some results in whatever it is you’re trying to accomplish. This post […]
Dave Ramsey quotes are inspiring to get out of debt. Being debt-free is one of the most freeing feelings I’ve experienced. It allows you to make decisions without having to include the pile of debt in the equation. There’s still bills to pay, but it’s great when your finances reflect the decisions of today and […]
What’s all the talk about the budget 50 30 20 rule for personal finance and paying off debt? It gives you 3 main categories to break your expenses into Needs 50%, Wants 30%, and the Saving rule 20%. It’s a framework to build your budget.
Do you ever dream about buying a house, traveling, or living debt free? Perhaps you want to run a marathon or write a book. It does not happen without planning. Set up personal goals to be able to start working on them today.
Wondering how you’ll find extra money to save for something, pay off debt, or maybe just to pay the basic bills? It’s already difficult to just pay the bills. You’ve tried cutting back as much as you can, but it’s not enough. Try a no-spend challenge in 2019. If you’re like me, I’ve heard of […]
What would you do with an extra $400 this month? Do you have debt that you’re trying to pay off or perhaps you’re saving for a car or vacation? Keep reading to see how to do this 4-week money saving challenge. There are money-saving tips to guide you through.
We discuss how to reduce spending, but what about the great things we bought that now we don’t want anymore? Are you wasting money on groceries? The last time you cleaned out your pantry, refrigerator, or freezer, did you throw unused things away? I know I’m guilty of this.
Looking for energy-saving ideas that will not make you feel sweaty in the summer and freezing in the winter? These are 5 steps (in no particular order) to help reduce utility expenses. Every little bit helps.