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 … [Read more...] about Not Enough Money At The End Of The Month?
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 … [Read more...] about Our First Budget Story
The following is a guest post. To learn more about guest posting on iHeartBudgets, please contact me. I remember it like it was yesterday. Once a year, every year, my kind older lady of a boss would come around asking each of us what we needed. Necessary or not, she was looking for expenses because our company’s budgeting process encouraged end-of-year spending. I could tell that she was not a … [Read more...] about Not All Budgets are Created Equal
Any good financial coach or writer will tell you that one of the first things you need to do when you start taking control of your finances is to build up an emergency fund. I wrote about what an emergency fund is and what to use it for here. To sum it up, your emergency fund is for unexpected expenses that pop up due to unforeseen circumstances. When those circumstances arise, you can then decide … [Read more...] about How To Create An Emergency Budget
It's time for another episode of Budget Confessions, the show where I publicly acknowledge that I haven't even been taking my own advice and display what a mess it creates. In my first budget confessions post, I talked about how we'd been blowing the food budget (like, friggin' doubling it!), how our backyard budget was blowing up like a balloon, and how I had removed my sinking funds this year … [Read more...] about Budget Confessions: Part 2
We've all been here. We're cruisin' along, not a care in the world and we're sticking to our monthly budget. YES! (it's only day 2…) We are impenetrable to the temptations of materialism that surround us, we can't be sold anything. We know that we want to save up for that awesome vacation at the end of the year, so we've limited our spending on anything that would keep us from reaching that goal. … [Read more...] about What To Do When You Blow The Budget