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.
Best Pens To Sign Credit Cards
I must admit that I am terrible at this. Every time I must sign a…
Importance of Adding Tradelines To Your Credit Report
Credit Scores are necessary to get additional credit, lower interest rates, obtain a mortgage, some…
Does Drivetime Report to Credit Bureaus
Your credit score is a very important tool when making a major purchase. Purchasing a…
Credit Card Debt Forgiveness for Seniors
By 2050, the world’s population of people over age 50 will double to 2.1 billion….
When Is It Too Late to Stop Foreclosure?
Foreclosures unfortunately are a part of the home-buying cycle of life. My first home was…
Can an estate file for bankruptcy
Most people have the desire to leave some type of legacy to their family members…
Easy Answer: What Credit Card starts with 4147?
Credit cards and debit cards all have numbers that we use when making a purchase….
Is Credit Card fraud a felony?
Does a Credit card fraud case ever result in felony charges? My credit card number…
What do CID and CVV mean on a credit card?
Every time you make an online credit purchase you are asked to provide your CID…
Can I Retire at 60 with $500K (Yes and I can show you how)
Everyone should retire when they are ready with as much money necessary to cover their…
How to manage credit card debt
Most of us will at some point in our life succumb to the pitfalls of…
Debt-Free is the New Rich
Think how wonderful it could be if when you got paid you could keep most…
How to Save $10000 in a Year
Learning to save money can be a most rewarding experience. There is simply nothing to…
Hidden Costs of owning a home
There are many costs associated with purchasing a home. The obvious ones are the closing…
What Hurts Your Credit Score The Most?
Let’s be honest establishing and maintaining good credit is not always easy. Life happens and…
Tips on How to live on one income
We have on occasion lived off one income due to job loss or our desire…
Living Stingy
Am I Living stingy? What does it mean to live stingily? First of all, a…
How To Build Wealth From Nothing by Investing?
Everyone wants to have some level of wealth to retire. Whether it is to live…
Debt Free Christmas Budget Challenge
We face many challenges when saving for Christmas in advance. You may still have last…
Helping Adult Children Manage Finances
About four years ago our youngest son got into a bit of financial trouble. He…
Financial Literacy For Beginners – 5 Basic Components
What is financial literacy? Financial literacy is budgeting, saving, understanding credit, interest, debt management, and…
Dave Ramsey’s 7 Baby Steps – It worked for me!
Throughout my financial life, Dave Ramsey’s comments on finances have always been in the back…
Can You Live Off of $40,000 a Year?
How much is $40,000 a year an hour? It is $19.23 an hour. Is this…
Living Below Your Means
What Is Living Below Your Means? It is more than just frugal living. You need…
What is the purpose of a budget?
So, what is the purpose of a budget? The purpose of a budget is to…
Wealth Accumulation
Let’s start with what is wealth? Wealth is making money, owning property, and having business…
Why can’t I Save Money: 10 Reasons You Can’t Save Money
Saving money is not always easy unless you are like me and others that are…
Being Financially Sound
To be financially sound for me means that if I lose my job, I have…
I Can’t Afford To Move Out
We were once Empty-Nesters until my youngest ran into financial trouble and had to return…
$400 CHRISTMAS BUDGET | 8 simple steps on How We’re Spending Less On Christmas!
We are spending less on Christmas this year because we want to save more, spend…
How to Raise Your Credit Score 100 Points in 45 Days
Credit has become the staple of our country since the first credit card was introduced…
Last of the Boomers
As a Boomer bringing up the rear, I have had the advantage of watching and…
Millennials and Debt
There has been so much said about the Millennials and Debt but I must add…
Emergency Fund Savings
When I started working, I always felt it was important to save. I called it…
Checking and Savings Accounts
For Budgets And Spending Plans To Be Implemented Properly, You Will Need Both Checking And…
Create A Spending Plan
Why I Needed To Create A Spending Plan. Now that you have created your budget,…
Budget: Love And Selflessness
It Has Been Said Whoever Controls The Marbles Controls The Game, however, I believe this…
Budget: The New Spending Plan
As I Sat On The Beach Reflecting On The Journey, we took to arrive at…
Mind Over Money Budget
The Key To Creating And Living Your budget Is Your Mind Over Money. You must keep…
Pay Off The Mortgage
After Years Of Budgeting To Eliminate Credit Card Debt, student loans, our car notes and…
Debt Escalation
I Got My First Credit Card After Finishing College Debt Free. The more I spent…
Setting Up A Budget For Beginners
I began setting up a budget from the day I began working. I remember my…