These Budgeting Tips blogs are designed to help you with your journey to becoming financially sound, independent, and secure by becoming debt-free and saving. Many of these blogs share how my family and I became financially secure. Even with job loss and unexpected expenses, we are still able to pay our bills. We no longer live check to check and have reduced our debt to just the home. We plan to pay off the home within the next seven years. Please follow our journey from managing our debt to becoming debt-free.
Here you will find blogs about budgeting, saving, and investing. How to view lending and borrowing. There are tips on living on one income and living below your means. Also, tips on how to build your credit score as well as things that hurt your credit score the most.
There is an about Dave Ramsey’s budgeting tips and how I did not follow them to the letter and still became financially sound. I also suggest other books to read to help you with your financial journey.
Budgeting Tips Blogs to improve your Finances
My blogs can help you improve your financial situation by speaking about financial literacy. You have to learn how to make your money work for you so you can earn as you learn. I believe most financial tools, such as checking and savings accounts should be used to help you budget. Checking and Savings accounts are the engines that keep the budgeting train on track. I am a huge believer in automation. Hence, when you automate your deposits you will grow your savings.
Sharing my journey and offering some practical tips to help you in your journey to financial freedom is my main goal. There are free templates to start a budget in print and digital versions. I share tools to help you calculate various financial hurdles.
Therefore, I hope I can help you in any small way. To learn more about me click here.
Learning to save money can be a most rewarding experience. There is simply nothing to compare to having money in the bank when you need …
There are many costs associated with purchasing a home. The obvious ones are the closing costs which include home appraisals, and home inspections. Most realtors …
Let’s be honest establishing and maintaining good credit is not always easy. Life happens and things go wrong. Financial literacy is at the heart of …
We have on occasion lived off one income due to job loss or our desire to aggressively pay down debt. Thank God we always survived …
Am I Living stingy? What does it mean to live stingily? First of all, a stingy person is considered a miser. They are always reluctant …
Everyone wants to have some level of wealth to retire. Whether it is to live comfortably or not having to worry about every dime they …
We face many challenges when saving for Christmas in advance. You may still have last year’s Christmas expenses to pay. Your current debt does not …
About four years ago our youngest son got into a bit of financial trouble. He had lost his job and ran up a lot of …
What is financial literacy? Financial literacy is budgeting, saving, understanding credit, interest, debt management, and investing. But first, let’s start with your relationship with money. …
Throughout my financial life, Dave Ramsey’s comments on finances have always been in the back of my mind. I followed Dave Ramsey’s 7 Baby Steps …
How much is $40,000 a year an hour? It is $19.23 an hour. Is this a good salary in today’s economy? Well, it is more …
What Is Living Below Your Means? It is more than just frugal living. You need to understand how much you have and how much you …
So, what is the purpose of a budget? The purpose of a budget is to track income and spending, to reduce and/or eliminate debt, grow …
Let’s start with what is wealth? Wealth is making money, owning property, and having business ventures that create income and or value. To be honest …
Saving money is not always easy unless you are like me and others that are genetically bent to be miserly. I have been saving money …
To be financially sound for me means that if I lose my job, I have enough available cash to cover my expenses until I find …
We were once Empty-Nesters until my youngest ran into financial trouble and had to return home. He had lost his job, used the last of …
We are spending less on Christmas this year because we want to save more, spend less, and work on paying off the house. It all …
Credit has become the staple of our country since the first credit card was introduced in 1950 by Diner’s Club, Inc. Upon graduating college, I …
As a Boomer bringing up the rear, I have had the advantage of watching and reading about all my older Boomers. Per the media Boomers …
There has been so much said about the Millennials and Debt but I must add my thoughts as well; as I have raised two Millennials. …
When I started working, I always felt it was important to save. I called it my Rainy-Day Fund. I would withdraw from it whenever I …
For Budgets And Spending Plans To Be Implemented Properly, You Will Need Both Checking And Savings Accounts. The Checking and Savings accounts are the engines …
Why I Needed To Create A Spending Plan Now that you have created your budget, it is time to create a spending plan. If you …
It Has Been Said Whoever Controls The Marbles Controls The Game, however, I believe this is not true when budgeting for a household. I believe …
As I Sat On The Beach Reflecting On The Journey, we took to arrive at our dream vacation in Hawaii, I realized the road …
The Key To Creating And Living Your budget Is Your Mind Over Money. You must keep your mind on what you plan to do with your …
After Years Of Budgeting To Eliminate Credit Card Debt, student loans, our car notes and building up wealth. It was time to seriously consider …
I Got My First Credit Card After Finishing College Debt Free. The more I spent and paid only the minimum payment the more the bank …
I began setting up a budget from the day I began working. I remember my mom at the kitchen table with a piece of paper …
