Living for today - Planning for Tomorrow
You’ve decided to make a change. You’ve looked at your life and decided getting out of debt as soon as possible is your next objective. I can say from personal experience that a decision like that can change the trajectory of your life. Congratulations! While you work hard toward your goal, remember there are a few steps that are easily overlooked. I learned that the
Do you ever run out of cash at the end of the month? That has got to be the most frustrating part of budgeting, in my opinion: Staying on it. To help boost your frugal efforts, I’ve put together a simple list of ways for you use some advanced budgeting as you track your spending this month. 3 Simple Ways to Use Advanced Budgeting to
If you’re like me you don’t necessarily enjoy spending money. This is especially true for things that seem super boring. But I’ve learned over the years that trying to cut some of these “boring” expenses is not a good idea. Here are expenses that are worth every penny paid. Car Maintenance As a young(er) adult I was horrible about keeping up with car maintenance. Horrible.
Overhauling your personal finances can feel pretty overwhelming, especially if you’re starting at ground zero. Luckily, you don’t have to overhaul your finances to get big, lasting changes. Here are seven small financial changes you can make that have a big impact. Tracking Your Spending Tracking your spending is the number one thing you can do to bring a better awareness to your personal finances.
It’s about that time that – if you are getting a tax refund it’s probably now sitting in your bank account or will be arriving any day down. While it’s commonly advised that you should lower you tax deductions so that you don’t receive a tax refund, I don’t feel this is always good advice. In fact, I’ve received a tax refund most years of
I was looking over my spending from the past month when I realized that I had slipped up a bit. Even though I had told myself that I was going to be fairly strict with my spending so that I could reach my more important goals, I got lazy. And for me that’s where the problems start. I know that if I set up a
I’ve always been the tax person for friends and family members who don’t want to wait to get an appointment with an actual tax professional. Oddly enough I enjoy filing simple tax returns and helping out where I can. And because I do a handful of tax returns for others every year I get to see a range of different income tax refunds. Some are
I recently witnessed a close friend break a bad habit he’s had for over fifteen years. He stopped smoking cigarettes. He had tried and tried before but he never could quit. He told himself he wanted to. He used every new “miracle” product that came out. But, he’d never make it for more than two days. Breaking bad habits that you’ve held for such a
A recent Bankrate survey shows that Americans’ are less focused on saving and more focused on staying current on bills and paying debt down. If you can’t keep up with your bills here are some things to try. Living within Your Means Often Means Making Tough Choices While there’s certainly a majority of people who’ve whittled away their expenses and made tough decisions, this is
Living a debt free life is a message that seems to be spreading and really resonating with America. The problem though, is that with an already tight budget it can be hard to throw extra money toward debt freedom. If you want to start your journey toward a debt free life but are wondering where to get the extra money from, here are some of
