Living for today - Planning for Tomorrow
Sticking to your Christmas budget can be tough, especially if you have kids! Before kids my Christmas budget was never too out of hand. I didn’t have anyone who I felt the need to lavish with gifts. Sure, I still liked giving meaningful gifts, but I found that those didn’t have to cost a lot of money. My first daughter was born in December of
The year is quickly coming to a close. Before you know it we’ll be entering 2015 and you’ll be setting New Year’s resolutions. To ensure that you make 2015 as successful as possible, you should first make sure that all of your finances from this year are in order. Here are four end of the year check-ups you should perform. Debt Assessment It’s extremely important
Thanksgiving is over but that doesn’t mean you should stop being thankful. In the past year I’ve been happier than I have in my entire life and I owe that to one thing: being thankful. That doesn’t mean my life is all sunshine and rainbows – because it isn’t. I’m not a millionaire, I don’t have life all figured out, and some days my kids
If you could consistently save an extra $50 each month for a year that would end up in a total budget reduction of $600 per month, every month. That’s some pretty significant savings! Last week we started exploring twelve different ways to save $50 per month, listing the first six. Today we’re going to go over six more ways you can $50 per month. Hopefully
If you ever plan on borrowing money, keeping your credit score high is crucial. Otherwise you’ll be paying far more in interest than you should be. Trust me, I’ve been there. When I bought my first car I didn’t have the greatest credit. It’s not that I had done anything wrong, it’s just that I was slow on building my credit. I was young and
If you could find a way to save a recurring $50 each month in a total of twelve months you’d be able to cut your budget by $600 in one year! While it might feel overwhelming to find 12 different sources of income to save in one month doing these tasks one month at a time is a pretty reasonable plan. If you’re ready to
Once upon a time I didn’t worry about saving energy. My electric and heating costs never fluctuated much, even in the super cold months. Then after getting divorced I moved into a trailer. I went from having $150 heating bills in a 1400 sq. ft. home to having $500 heating bills in a 900 sq ft trailer! Those bills stretched my budget to the max.
I used to get so stressed out when November rolled around. I’d start thinking about what kind of gifts I’d need to buy, whose house I was going to go to this year (divorced family), and how I’d be able to afford all of it. It wasn’t enjoyable. Then I had kids and that changed everything. I didn’t want the holidays to be filled with
You’ve tried your hand at budgeting. Creating detailed spreadsheets, tracking what you’re spending for a few days, whipping out envelopes and filling them with cash, but nothing ever stuck. After about a week of full throttle budgeting you gave up. Your spending went back to normal and you decided your personal finances will be doomed forever. Does that sound like you? If so, don’t feel
I was on an organizing kick this weekend. It started with my car Friday and by Sunday I had went through everything in the house. It felt good to get rid of so much junk, but it was also a bit embarrassing. The problem area in my house is toys. Sometimes it feels like the sheer amount of toys my two girls have prevent the
