Category Archives: Budgets

The Surprising Way to have an Awesome Financial Life

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Best. Picture. Ever.

The following is a post from Jackie at The Debt Myth. Check out her sweet blog and debt iPhone App after reading how to rock your financial life. Thanks for sharing, Jackie, as I finish up the last tax returns this week! Did you know that debt and the failure to thrive financially are often caused by just two things? They’re things that can be fixed with a little bit of persistence and time. So what are they? They are: the lack of a plan for your money; and… not having an adequate emergency fund Luckily, creating a realistic budget that takes your actual life into account — and then sticking with it over time to fine-tune it — can put you on the path to an awesome financial life. How people become money superstars See, here’s the secret. People who have it all together with money weren’t born that … Continue reading →

Seasonal Budgeting

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Sherlock Holmes

I’ve talked before about those little emergencies that can absolutely kill your monthly budget, causing you to dip into savings or go into further debt to take care of. Things such as broken appliances, car repairs, water leaks and Christmas seem to come out of nowhere to blow up your budget. My solution to this is to create savings buckets for items that you can reasonably expect to pay for at some point. It’s easy enough, you just put money away each month in a designated bucket, and when that event or “emergency” happens, you’ve already got money in place to take care of it. What I’ve been running into more and more is what I like to call “budget creep.” Basically, I have a set budget for items such as food, household, etc…but what seems to happen is that we overspend in these areas, even though we’re on a … Continue reading →

Budgeting Infographic

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Budgeting-How-Small-Cutbacks-Lead-to-Great-Savings-Intuit

In my comments, my awesome real estate agent Robby Leviton dropped a link to a sweet-tastic infographic put on by Intuit. It was posted about a year ago, but the details are still relevant. I wasn’t surprised in the slightest that the largest expenses were food and entertainment. Now, I am all for gettin’ my food on and catching a good flick, but there are thousands of dollars in potential savings here. I like that they, too, are trying to remove the word “budgeting” from the list of household swear words, as that has been my goal from the beginning as well. So let’s check out what a household budget can do for YOU! Thanks to Personal Finances from Quicken for proividing this! Now, I’ve done a few of the things suggested here, but definitely have some room for improvement. I have a few bulbs I can replace, and my … Continue reading →

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