From the category archives:

Budgeting

Make a List, Check It Twice

by Moneyproblems TipsTue Dec 07, 2010 Budgeting

This week we are providing practical advice on how to avoid the hangover that comes from overindulging in Christmas spending. Today, I want to talk about budgeting.
The first step is to decide how much in total you want to spend this holiday season. Some people might say to start with a list of [...]

Tagged as: budget, Christmas, list

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Hope is not lost but it does not pay the bills

by Moneyproblems TipsThu Sep 30, 2010 Budgeting

Lots of people have seen their income reduced in the recession. Whenever someone losses a job they always tell themselves that a new job is just round the corner. Sometimes it is , but sometimes we can convince ourselves that it is when it’s not.
It’s important to keep a positive outlook when looking for work, [...]

Tagged as: job loss

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Use Technology to Budget and Save Money

by Moneyproblems TipsMon Sep 27, 2010 Budgeting

Control spending by making a household budget and sticking to it. The first step is to start recording your spending. Guess what? there’s an app for that. In fact, there are lots of apps for that; do a search in Google or the app store for your smartphone, and find one that works for you.
Keeping [...]

Tagged as: budget, monthly budget, technology

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Back to School: Make a Budget

by Moneyproblems TipsWed Sep 01, 2010 Budgeting

In this third installment in our Back to School money saving tips series, after you start by Making a List, and then make an inventory of what you already have by shopping at home, the next critical step is to make a budget.
You only have limited money, so it’s probably not possible to buy everything [...]

Tagged as: Back to School

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Back to School: Shop at Home

by Moneyproblems TipsTue Aug 31, 2010 Budgeting

As we continue our Back to School money saving tips, after you start by Making a List, the next step is to Shop at Home.
Your children will need pens, paper, backpacks, lunch bags, and new clothes. You probably already have some of those things already, at home. So, before you venture out to the [...]

Tagged as: Back to School

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Cash Advances: A Warning Sign That You Have Too Much Debt

by Moneyproblems TipsThu Aug 26, 2010 Budgeting

Here’s a tip to determine whether or not you have too much debt: If you are using cash advances on your credit cards to “just get by”, you have too much debt.
Credit cards are fine as a substitute for cash, but if you are constantly borrowing to pay your living expenses, your expenses are too [...]

Tagged as: cash advances

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Don’t Borrow to Cover Daily Living Expenses

by Moneyproblems TipsTue Aug 24, 2010 Budgeting

Yesterday we discussed not kiting your credit cards, meaning don’t use a cash advance on one credit card to make the minimum payment on another.
Today’s tip: don’t borrow on your credit cards to cover daily living expenses.  There is nothing wrong with using your credit card to pay for gas for your car each week, [...]

Tagged as: borrow, debt

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Personal Budget and Debt List - Put it Together

by Douglas HoyesWed Aug 18, 2010 Budgeting

To Set a Course to Be Debt Free, you make a list of your debts, and then make a budget to see what you spend today, then you analyze your budget to see what expenses you can cut. Let’s assume you have done all of these steps, and you now have the following information:
You have [...]

Tagged as: budget, debt free, debt list

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How To Use a Personal Budget to Become Debt Free

by Douglas HoyesTue Aug 17, 2010 Budgeting

A personal budget is a list of numbers. It’s meaningless unless you do something with it. To Set a Course to Be Debt Free, take your budget and look at it. Analyze it. And ask yourself this simple question: “What can I slash and burn?” Once you know where you are spending your money, you [...]

Tagged as: budget, debt free

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To Be Debt Free, You Need A Budget

by Douglas HoyesMon Aug 16, 2010 Budgeting

As we continue our series on Setting a Course to Be Debt Free, let’s review the first steps.
First, start by deciding that you want to be debt free. You must make a conscious decision to achieve your debt free goal.
Second, make a list of your debts, and check it twice to be sure you [...]

Tagged as: budget, debt free

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