Posts tagged as:

budget

Track your Big Expenses with a Mini Budget

by Moneyproblems TipsFri Apr 23, 2010 Cut Your Food Bill

The most important advice to get control of your personal finances is to make a budget. We strongly recommend that you make a budget, (and many of you agree, since our make a budget post is one of our most popular tips). You can even join the budget group on our debt support group.
But wait, [...]

Tagged as: budget, food, save money

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The Importance of Being Skeptical

by Douglas HoyesMon Feb 08, 2010 Budgeting

As a bankruptcy trustee in Canada, I’ve heard it all, and so I know from experience that if it sounds too good to be true, it probably is.  Free offers normally carry hidden charges, so the offer isn’t really free.  A low introductory rate on a credit card will turn into a very high permanent [...]

Tagged as: budget, skeptical

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Three Keys to Successful Budgeting

by Moneyproblems TipsWed Jan 27, 2010 Budgeting

Guest Tip of the Day from Catherine Ouellette, Credit Counsellor:
As a credit counsellor I strongly advise everyone to prepare a personal budget, and I give them my three keys to successful budgeting:
First, have a positive attitude. Focus on the money you are saving, and you increase your chances of success.
Second, stay motivated. Budgeting gets easier [...]

Tagged as: budget, personal budget

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Make a Plan to Deal With Your Debts

by Moneyproblems TipsFri Jan 22, 2010 Budgeting

Today’s Tip: Make a plan to deal with your debts.
If you have more debt than you can handle, you need a plan. That plan will start with a household budget, so you know what you have to spend each month. You should then explore your other debt management options, including getting a debt consolidation [...]

Tagged as: bankruptcy, budget, consumer proposal

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Use the past to improve the future

by The CalendarBudget TeamMon Jan 18, 2010 Budgeting

Today’s Tip: Review your past spending history to save money in the future.
Spending history can tell you a lot.
Look back over your historical spending and see if there are any trends that cause concern. Your actual past spending is a good way to honestly evaluate if you need to make any changes. Using a tool [...]

Tagged as: budget, Calendar Budget

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Don’t cheat: Be accountable to your budget

by Moneyproblems TipsThu Jan 14, 2010 Budgeting

Today’s Tip: Be accountable to your budget. Do you set a monthly budget, but find you always overspend? It may be because you aren’t tracking your spending very well. If you track all of your purchases, you’ll make yourself more accountable to your budget.
Use tools like a piece of paper, or an Excel spreadsheet [...]

Tagged as: budget, Calendar Budget

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Celebrate your budgeting success

by The CalendarBudget TeamWed Jan 13, 2010 Budgeting

Today’s Tip: Celebrate when you beat your budget.
If you budgeted $150 for your electricity bill and turned out to be only $110, celebrate with a small treat, or at least talk about how well you did. Celebrating the little things makes working towards a budget (and associated sacrifices) easier. Put the amount you “saved” against [...]

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Get on the same page as your spouse

by The CalendarBudget TeamTue Jan 12, 2010 Budgeting

Today’s Tip: Get on the same page financially with your spouse.
Make it a priority to be on the same page as a couple with spending and your financial plan. Calendar Budget’s online daily tracking and planning allows you as a couple to both contribute to your financial plan and see how today’s spending can [...]

Tagged as: budget

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Set SMART goals

by The CalendarBudget TeamMon Jan 04, 2010 Budgeting

Today’s Tip: Include financial goals as part of your New Year’s resolutions.
Set SMART goals (Specific, Measurable, Attainable, Relaistic, and Time-bound).
For example, you may set a goal to save $3,000 by August to prepay for a winter 2010 vacation. Evaluate your progress at regular intervals and adjust your efforts or goal when necessary.
A goal is [...]

Tagged as: budget, New Years Resolutions

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Why Making a Budget is the Most Important New Year’s Resolution

by Moneyproblems TipsTue Dec 29, 2009 Budgeting

Yesterday we discussed setting goals to start the Financial New Year’s Resolution process. With goals in mind, you can now take the most important step in any financial planning process:
Make a budget.
Money problems Tip of the Day readers are familiar with personal budgeting; in fact, our most popular tip of the day is our tip [...]

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