Cut The Crap

Cut The Crap

  As I was writing my post about income for the Ultimate Budget Series, I started to think about why people need more and more income to "just get by". There seems to be a common agreement among those who are struggling with money that their problems would be solved with just a little (or a lot) more money. It's the same old refrain of "If I just had a better job", or "If I won the lottery", or "If I could just get that raise…" and this mindset is what is keeping middle class America broke (you can read what I mean by the word "broke" here). I don't know if it a fear of responsibility, … [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...]

Our First Budget Story

Our First Budget Story

It was about 4 1/2 years ago that Michelle and I sat down for the first time with a paper and a pencil to create our first budget just before getting married. Now, up until this point, we had kept our finances separate, which I think was a good idea, but now we were engaged and about to start our life together, so I wanted to make sure we were on the same page financially. This was a MUCH more difficult task than I had originally thought. Shame Now, having counseled a few people and helped them get on a budget, I now know that one of the toughest steps of starting a budget is writing … [Read more...]