Budget

How to Use Mint To Create and Follow a Budget Preface: There are four ways design a budget and to track spending: 1. paper  2. Excel  3. YNAB and 4. Mint.com. You can use paper and pencil along with cash and envelopes. The Dave Ramsey way, you could say, and that works great. Often that’s […]

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A quick blog article to help you spend less and focus on Jesus this Christmas Christmas is a wonderful time of year and it’s only a week away. During this busy season of parties, shopping and eating, it’s easy to throw the budget out of the window. If you are like me at all, once […]

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Many people are paid every two weeks, so August may be one of the two months this year you will get an additional paycheck. If you are married and your spouse works outside of the home and paid the same way, then that may mean 2 extra paychecks this month.  However, if you don’t plan, this money will […]

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In this article I will answer these important cash flow planning questions: Why don’t people budget? Why should people want to budget? What will happen if they do? How to get started easily? Why don’t people budget? It is because you (don’t fear, we have tips below to help you overcome your resistance): Don’t want to: You know it […]

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And you thought March Madness was only about basketball! March is a mad month for money, particularly this March, because the month is full of extra money but also of extra challenges–more than most months. Jon White tweeted last week about #2 below and it got me thinking. Thank you, Jon, financial coach and blogger […]

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Big Box retailers like Sam’s Club and Costco can sometimes save you a lot of money, but if you aren’t careful you can end up spending more money than you planned to. I suspect most people do go over budget at these places. We are avid coupon clippers and deal shoppers, and often our receipt […]

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Here is a cool idea: consider adding a new category to your monthly budget for ‘special giving.’ While doing some budget planning with the program we use–YNAB, or You Need a Budget–I noticed that for some months throughout the year we gave to various causes. This was in addition to our regular giving. This got me […]

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Merriam-Webster named Austerity as the word of the year in 2010, but these days it isn’t a word we use often. Dictionary.com defines it as 1. austere quality; severity of manner, life, etc.; sternness. 2. Usually, austerities.  ascetic practices: austerities of monastery life. 3. strict economy. I like the definition of Financial Austerity from Wikipedia: is a […]

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Shelley Elmblad reviewed 5 Free online budgeting tools on her column at the Examiner.com. This is great reading if you are considering starting and following a budget for 2012.

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Shopping for Christmas gifts can surely be a budget buster. If you go shopping and  do not have a list or calculated in advance how much you are going to spend on particular individuals, your emotions may get the best of you, and you will wake up with a massive debt hangover after the holidays. […]

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An article that was recently sent to me Saving, Spending Wisely are Investments from the Washington Post has some excellent information. However to add to that, many people think “I’m not going to save into a savings account, that earns nothing, I’m going to live my life and when I have a lot of money […]

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Are some people predisposed to spending instead of making logical financial decisions, or what Dave Ramsey calls “Nerds and Free Spirits”? Having counseled more than 500 financially struggling people over the past few years, I can see that this may indeed be true. From an early age, my oldest brother would save every penny and spend […]

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At a recent Dave Ramsey class, one of the members, Brandy, introduced us to a new web service that she has been using: e-mealz. This is a really cool service that costs only $15 bucks per 3 months. It plans your meals for an entire week and provides a shopping list of items matched to a […]

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Weekends are the hardest on our family’s budgets. We are really good throughout the work week at not going over our entertainment budget. We take lunches, stay away from stores and other places of temptation. When we go online, it’s more for work than play. Come the weekend, sometimes the celebratory feeling hits, and we […]

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