Looking to cool your house off this summer? Wanting to stay warm in the winter? Temperatures will sky rocket to triple digits or stumble below freezing. There are ways you can help keep your utility payments under control. Money management moves beyond the check book and bank account and into practical living. Cutting back does not always mean that you have to give up on your lifestyle. A money-smart household will efficiently help you decrease your utility budget. Cooling and heating budget Fight off cooling and heating costs by properly … Continue reading →
Do you scratch your head in wonder trying to figure out how much more you can cut out of the budget. With all of the different budget categories, there are many areas to take under consideration. It’s always best to focus on one particular area in order to achieve quality results. In this post, I will focus on ways to cut back and cut out transportation costs. Your lifestyle will also play an important role in how much you pay each month. What kind of car you like vs. … Continue reading →
A budget that is strapped to the bare bones will struggle to perform its proper duties. If you think about a runner who has trained hard and has eaten the proper foods before race day, it wouldn’t shock you to see it outperform those who did not. Most people do not take their finances to the runner’s extreme. There may be a budget plan, but it is not fine-tuned or run with precision. Money management is your budget’s marathon. Every day counts. There must be a strong base money plan … Continue reading →
You may have tried to cut corners throughout the month in order to make your budget more productive. It gets tiring when no matter what you do, it seems like there is never enough money left to pay the bills. Your total monthly costs are just too close to your actual income. A budget will not survive on bare bones alone. Living paycheck to paycheck does not leave room for any unplanned expenses. You can only skimp so far on groceries, fuel and utilities. Depending on how much you need … Continue reading →
Keeping up with the Jones is not a new trendy lifestyle. We like what we like but we also like what our friends like. Financial peer pressure is difficult when a friend persuades you to spend more than you have. It isn’t always shopping, but trips to movies, out to eat and to clubs that keep your wallet in a tail spin. We have to make the decision to spend more and too often utilize credit cards to keep social status. It’s hard to stay home when everyone you know … Continue reading →
We’ve all heard the excuse, ‘debt-traps’. They are most offered used in reference to reasons, none to their own, why their budget is such a mess. These traps are frustrating, destructive and are often harder than quicksand to escape. The most difficult task in trying to put an end to these problems is to first admit to being part of the problem. A debt-trap begins with the consumer who overuses or even abuses third party money help. Companies make it easy. With enticing offers, personal failures multiply. It takes a balanced budget, … Continue reading →
Young graduates are not looking to get stuck with bed debt problems. Unfortunate, many are. Coming out of college in their early 20’s, graduates face tens of thousands of dollars’ worth of student loan debt without the promise of a high paying job. How many of these same graduates fell into credit card debt as well? According to a CNN survey, the average student leaves college with $35,500 in government, family and personal private loans. It also includes about $3000 of credit card debt. That’s a tough starting position to … Continue reading →
No matter what your reason was for using a fast cash advance, you now have the debt to pay back. Not only will you pay back the initial loan but the finance charge that comes along with convenient money. At this point, there is no need to make up excuses or try to justify the reason why you did, whatever it was is now in the past. Right now, you only have to deal with the getting it paid as quickly as you can. 1. Make a resolution to yourself … Continue reading →
Too many people give up on their budget when money becomes overly structured. When there isn’t enough room to breathe or have some fun, the budget falls wayside. What are we all juggling? Let’s see, we have to make time for work, family and fit in sleep? We eat and drive, change in the car and pay bills from our phones. It’s hard to keep up with the demands of a budget unless smart financial decisions help simplify our finances. 1. Don’t think about saving money, just do it. Set … Continue reading →
Don’t let your budget go stale. It takes more than making a budget to make financial progress. It is a carefully laid plan filled with details and direction. You can’t let a budget run itself and that is where many folks fail. Here’s the real deal. A budget needs you. It can’t start on its own nor can it run itself without your help. If you can’t make a visit to your financial books at least once a month, your finances are in trouble. Make a plan to motivate yourself … Continue reading →
Photo Credit: Ubi Desperare Nescio via Compfight cc Looking to cool your house off this summer? Wanting to stay warm in the winter? Temperatures will sky rocket to triple digits or stumble below freezing.
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