Budgeting articles

Everything you need to know about budgeting!
I have written quite a bit about budgeting since I consider it to be a key component to getting our finances under control. Just like most people, I always hated the idea of budgeting, but once you get a better understanding of the freedom that comes with using a budget you fall in love with it. Or at least I have. 😉

This page will show you how to budget with various methods and everything else you want or need to know about budgeting. If you are just getting started I would suggest reading How to make a budget. From there I would consider getting some free budget software or download a household budget template.

Other articles about budgeting tips and tools

How to budget with ING Direct
10 tips for a better budget

Money management tips for beginners

Budgeting is like baking cookies
How to budget with the envelope system
How to manage your bill payments
How I organize my bank accounts
How to quit spending more money than you make
Free budgeting form

7 Free budgeting worksheets

Even more articles about how to budget
To read even more just keep scrolling and you will find more articles about budgeting.

Why Money Doesn’t Solve Most Money Problems

why money doesn't solve money problems

I mean if you were making what your boss is making, it will not fix your financial squeeze. There is a famous principle that expenses rise to meet income, so if you are having a hard time paying your bills or making a dent in your mountain of debt money is NOT your answer.

Continue Reading

70+ Budget Categories (Your Shortcut To Budgeting Success)

In order to have an effective budget, you’re going to need some basic personal budget categories to start. Determining your budget categories isn’t always easy, especially if you’ve never made a budget before. Start your budget off right . . . here are some of the best budgeting categories to set you off on the right foot.

Continue Reading

10 Free Household Budget Spreadsheets for 2018

A bunch of free budgeting spreadsheets available to download

Someone asked me to share my favorite free household or personal budgeting spreadsheets… Each one of these budgeting templates are free… If you use OpenOffice (basically a free version of Microsoft Office)…

Continue Reading

How To Manage Bills With A Bill Payment Schedule (Free Download)

How to manage bills with a bill payment schedule

Why not implement the same type of planning to the paying of your bills? Rather than sporadically paying them as they come in, or checking a pile on your desk every few days, you should be able to designate 2 days a month to pay your bills…

Continue Reading

How To Set Up A Budget With Inconsistent Income

how to set up a budget with inconsistent income

The fact is, it is more difficult to set up a budget when you never know how much you are going to make each month – but it still can (and in my opinion) should definitely be done. I happen to think it is far more important for those with irregular income to set up a budget because of the quick damage that can be caused if you don’t…

Continue Reading

I Remember

I Remember...

I remember when I was living off of Kraft Macaroni and Cheese that was purchased on a nearly-maxxed out credit card. I remember the feeling of hopelessness as I watched my financial life spiral out of control before my eyes…

Continue Reading

5 Simple Steps to a Christmas Budget That will Keep you out of Debt

Want to have a debt-free Christmas this year? If so, then you need to start planning now and you can start with these 5 steps to create a Christmas budget!

Time is running short. You need to prepare now. It will not be long until Father Christmas is saddling up his reindeer. Today is the day to decide to make 2010 a debt free Christmas. In fact, you are more likely to get through Christmas without any new consumer debt if you set your Christmas budget now. So let’s get started!

Continue Reading

How to Budget When You And Your Spouse Don’t Agree

Note from Bob: I just want to welcome our new writer, Lynnae. She’s been writing about personal finance and money management longer than I have and has some great wisdom to share. Please join me in welcoming her to the SeedTime team! Setting a budget is one of the first steps in gaining control of […]

Continue Reading

How to quit spending more money than you make

So you want to learn how to quit spending more money than you make? Here are a few ideas that have helped me…

Continue Reading

How Should a Teenager Handle Saving vs. Spending?

The saving vs. spending transition is something of a rite of passage every teenager needs to experience in order to get on the road to financial security and independence later in life. But it’s also a surprisingly difficult lesson to learn, since saving money is a major component of money management overall, and teens are usually seeing for the first time.

Continue Reading

5 Questions to Ask Yourself Before You Even Begin to Budget

Your budget has to make sense to you or you are never going to use it. Just because you found some cool spreadsheet online does not mean that you are now good to go. If you do not make it your own, it won’t go anywhere.

Continue Reading

How the 80/20 principle applies to your money

You’ve probably heard of “the 80/20 rule.” The technical term for this common phrase is called the Pareto principle, named after . . . you guessed it, a man named Pareto . . . .

Continue Reading

$500 a Month You Might Be Overlooking

An extra $500/m that you may be missing

Would an extra $500 a month help? Of course. And it is possible that you already have that $500; you simply need to corral it and use it.

Continue Reading

4 Budgeting Tips for the Self-Employed (or Those with Irregular Income)

4 budgeting tips for those with irregular income

Working for yourself can be one of the most rewarding things you could ever do, but it can also be the scariest. It is exciting to wake up and know that you are writing your own W-2 for the year. No boss to answer to (unless you are married). Life is great. If things go as planned, you start to see money coming in the door. Then you quickly discover something very important: managing your money is even more critical.

Continue Reading