Beginners Guide To Creating A Budget

So many people hold ill feelings to that six letter word – you know.  The ever so restrictive, unachievable, hard to grasp, math-phobic BUDGET!  Can I be honest with you?  A budget is just knowledge.  It’s knowledge about how much money you have coming in and deciding IN ADVANCE what you …

Debt Snowball or Debt Avalanche?

When you get to that point where you know it is time to do something with this mountain of debt, how do you want to go about it? Are you an avalanche or a snowball?  Do you want to roll down the mountain gaining momentum and increase your size as …

How To Budget When You Are Behind On Bills

  Many of us have been there.  For one reason or another, we fall behind on the bills.  We run into an unexpected financial disaster, or we get lazy and stop following the budget or anything else in between. Here is a way to work the budget when you have …

50/30/20 Budget; Could This Be Your Answer?

50/30/20 Budget; Could This Be Your Answer? I am a huge fan of Dave Ramsey. Mostly, I follow his entire plan and believe what he teaches.  I love cash, and I don’t love owing money to anyone.  I am almost debt free and I do like the way he explains how …