Archives for December 2012

5 Reasons To Start A Budget For 2013

5 Reasons To Start A Budget For 2013

As the New Year approaches, we all look ahead and see a blank slate. No matter what happened in 2012, we know that we're going to accomplish EVERYTHING in 2013. We've got big plans, big dreams, and the future looks so bright we need some flippin' sweet shades! And as the year rolls around, we step out the front door, ready to take on the world. The only problem is…..we forgot to put on pants! You Need A Plan Many believe that success is sometimes a fluke, or a big break. You just end up in the right place at the right time, and everything just falls in to place. Even the media plays to … [Read more...]

Budget Friday: Submission 6 – Weed Edition

  Budget Friday: Submission 6Hey everyone! Welcome back to another episode of Budget Friday. This is seriously my favorite part about personal finance, the chance to help others get on a budget, get out of debt and reach their financial goals. I love showing the power of a well-thought out budget plan, and the long term results they can have. Today's budget is an anonymous submission. We'll call him Michael Phelps. Background: Michael is in a unique situation, where he has a great income and low expenses, and therefore has a great many possibilities as far as his financial … [Read more...]

Your End Of The World Budget

Your End Of The World Budget

We've got two days left. Two days until all of your plans are completely ruined. Two days until everything you care about is gone. Two days left until the end of the world. So, what are you going to do about it? Create An End Of The World Budget, Of Course! You know me, with all this talk about everything being completely obliterated, all I can think about is "how would I budget for this?" Because, as always, even if everything is ending, having a plan is much better than having no plan. So I put together a plan for what you should do with your money to prepare for the end of the … [Read more...]

Not Enough Money At The End Of The Month?

Not Enough Money At The End Of The Month?

A while ago, I wrote about how I don't make enough money to pay my bills. And though technically true, I do make enough money annually to cover all my expenses and we have a sizeable savings fund set up in case we need it to pay for anything. After writing that post, I have gotten a lot of search traffic directed toward that post, with many people desperate for answers on what to do when there's not enough money at the end of the month. There are a lot of options when this happens, but if you ever find yourself in this situation, here are the first 3 steps you need to take: Take A Deep … [Read more...]

What Gifts Are You Giving For Christmas?

What Gifts Are You Giving For Christmas?

Every commercial, ad and sign is talking about what you NEED TO GET for Christmas this year. And though I can appreciate gadgets as much as the next, I really like to think more about what I can get other people than what I am going to get myself. I've always had a tough time making a Christmas list, maybe because I forget that I need anything, or maybe because when I think about it, I don't actually NEED anything. Whatever the case, it's always more exciting to me to give gifts this time of year. What Are You Giving For Christmas? So, since I get excited about giving and seeing others … [Read more...]

What Does $1 Mean To You?

What Does $1 Mean To You?

Hello all you beautiful readers of iHeartBudgets! Don't forget about our iPad 3 Giveaway! that is going on now! Do you remember the first time you held a $1 bill? Do you remember when you owned your first $1 bill? I remember for me it was trading in my saved up change for $1, which I stuck in my change jar at my grandpa's lake cabin. It was an awesome feeling to have real buying power outside of trading my fish sticks for half a tombstone deep dish pizza (remember those?). Having $1 gave me endless choices about what I could buy, whether it be a handful of candy, a pack of baseball cards … [Read more...]

5 Simple Ways To Save Money On Christmas Decorations

5 Simple Ways To Save Money On Christmas Decorations

"It's beginning to look a lot like Christmas"….well, at least at our house it is! It is definitely that time of the year again, and all things that twinkle and jingle start showing up everywhere you turn! I enjoy every part of the Christmas season, especially putting up Christmas lights (check 'em out here). And we're pretty stocked up on 'nog and gift wrap here in the iHB household, but we also have a ton of Christmas decorations that we've amassed over the years. We've been fortunate enough to get some great deals on these decorations, and I wanted to share with you some ways that YOU can … [Read more...]

How To Save Money: Using Cash Envelopes

How To Save Money: Using Cash Envelopes

Have you ever gotten to the end of the month and realized you spent WAY too much money on food? Or maybe you can't seem to find where your paycheck went? I've been there more times than I would like to admit, and really, until I started budgeting every month, that was the norm. I would drop a good $600 a month on fast food. I would look at my bank account and make sure I had just enough money to cover the bills. And I was always broke (well, except for the short period of time when I was ballin' with my $100,000). Enter: Dave Ramsey Now, I know that there are people who hate Dave Ramsey … [Read more...]