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.
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)…
Here are 7 different choices of free printable budgeting worksheets. Choose the worksheet that works best for you…
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…
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…
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…
I have noticed that since I’ve started using the envelope system, I’m spending about $60 less per two-week period than when I used a debit card. I think it’s because when I lay three $20s down for groceries, it hurts! When I paid with debit, it didn’t really register with me. —My Total Money Makeover […]
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 […]
So you want to learn how to quit spending more money than you make? Here are a few ideas that have helped me…
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.
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 . . . .
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.
Some people do not want to drive older cars (especially when they are not nice looking), but I am content to do so, especially while we are working so hard on building a financial foundation. If you want to look for a “throw away” car, here are some things to keep in mind.
Retailers are intelligent, but you can outwit them by being a smart Black Friday shopper. Here are some of the best tips I’ve come across to save money and get the best deals.
A while back I wrote about getting pet health insurance, and how it was an extra expense that we probably won’t be adding soon. Since then, I’ve quickly realized that the total cost of owing a pet is worth its own post, so take a look at all the expenses we’ve occurred since having a pet.
Over the past four years or so I’ve been using proactive envelope budgeting software called MoneyWell. It’s available on the Mac platform and there’s a companion app called MoneyWell Express for iPhone and iPod touch. Here’s what you need to know about it!
Whatever your financial struggles may be, it is possible that you already have the money you need; you simply need to find it and put it to work. “How,” you ask? Three simple steps . . . .
Our groceries budget has fluctuated over the past couple of years. It started high, then went down pretty low, and now it is up again. I want to ask you, the readers, how much you spend on groceries so that we can all learn some valuable tips!
Quickly, how would you would answer this question: “What’s your income?” Everyone should understand the difference between gross and net income and why both numbers are important in your financial life.
Paying yourself first (saving and investing each month before living on what is left over) is a popular but seldom practiced concept. I love the principle, but, for followers of Christ, I would modify it by stating that we should pay ourselves second after we give to God. But after you give to God, how should you pay yourself? What budgeting categories are most important?