Comments on: Manage Your Money Pre-Challenge Post: On Paper On Purpose http://www.enemyofdebt.com/2010/02/manage-your-money-pre-challenge-post-on-paper-on-purpose/ Motivational Money Management Wed, 08 Feb 2012 23:11:00 +0000 hourly 1 http://wordpress.org/?v=3.3.1 By: Manage Your Money - Death By 1000 Cuts http://www.enemyofdebt.com/2010/02/manage-your-money-pre-challenge-post-on-paper-on-purpose/#comment-5730 Manage Your Money - Death By 1000 Cuts Mon, 12 Apr 2010 14:05:17 +0000 http://www.enemyofdebt.com/?p=3016#comment-5730 [...] Manage Your Money Pre-Challenge Post: On Paper On Purpose [...] [...] Manage Your Money Pre-Challenge Post: On Paper On Purpose [...]

]]> By: Manage Your Money Grand Prize Giveaway & Questionnaire http://www.enemyofdebt.com/2010/02/manage-your-money-pre-challenge-post-on-paper-on-purpose/#comment-5549 Manage Your Money Grand Prize Giveaway & Questionnaire Thu, 01 Apr 2010 15:42:45 +0000 http://www.enemyofdebt.com/?p=3016#comment-5549 [...] Manage Your Money Pre-Challenge Post: On Paper On Purpose [...] [...] Manage Your Money Pre-Challenge Post: On Paper On Purpose [...]

]]> By: Manage Your Money Final Week - Think Ahead and Stay Determined! http://www.enemyofdebt.com/2010/02/manage-your-money-pre-challenge-post-on-paper-on-purpose/#comment-5507 Manage Your Money Final Week - Think Ahead and Stay Determined! Wed, 31 Mar 2010 18:02:38 +0000 http://www.enemyofdebt.com/?p=3016#comment-5507 [...] far, you’ve learned about budgeting on paper on purpose, deciphering wants versus needs, the benefits of teamwork and accountability, impulse spending, and [...] [...] far, you’ve learned about budgeting on paper on purpose, deciphering wants versus needs, the benefits of teamwork and accountability, impulse spending, and [...]

]]> By: Manage Your Money: Teamwork, Accountability, and Kids http://www.enemyofdebt.com/2010/02/manage-your-money-pre-challenge-post-on-paper-on-purpose/#comment-4986 Manage Your Money: Teamwork, Accountability, and Kids Mon, 08 Mar 2010 07:53:30 +0000 http://www.enemyofdebt.com/?p=3016#comment-4986 [...] now you should have budgeted your money on paper on purpose, closely analyzed wants versus needs, and today we will be focusing on teamwork, accountability, [...] [...] now you should have budgeted your money on paper on purpose, closely analyzed wants versus needs, and today we will be focusing on teamwork, accountability, [...]

]]> By: Michele http://www.enemyofdebt.com/2010/02/manage-your-money-pre-challenge-post-on-paper-on-purpose/#comment-4930 Michele Wed, 03 Mar 2010 18:06:42 +0000 http://www.enemyofdebt.com/?p=3016#comment-4930 I have my bills and paychecks in for March.... It seems like I am leaving something out, I will go over it again... Does anyone know why Pocketsmith has extra calendars? I should have named the default calendar that I am currently using. I am going to have to try to find the time to really sit down and read Pocketsmith. It looks like a great program. I have my bills and paychecks in for March…. It seems like I am leaving something out, I will go over it again…

Does anyone know why Pocketsmith has extra calendars? I should have named the default calendar that I am currently using.

I am going to have to try to find the time to really sit down and read Pocketsmith. It looks like a great program.

]]> By: Manage Your Money Week One http://www.enemyofdebt.com/2010/02/manage-your-money-pre-challenge-post-on-paper-on-purpose/#comment-4919 Manage Your Money Week One Wed, 03 Mar 2010 08:21:09 +0000 http://www.enemyofdebt.com/?p=3016#comment-4919 [...] one. If you’ve been paying attention then you’ve probably read my prerequisite post, Manage Your Money Pre-Challenge Post: On Paper On Purpose. It wasn’t a requirement, but it was intended to make this journey of yours to be a little [...] [...] one. If you’ve been paying attention then you’ve probably read my prerequisite post, Manage Your Money Pre-Challenge Post: On Paper On Purpose. It wasn’t a requirement, but it was intended to make this journey of yours to be a little [...]

]]> By: Laurie http://www.enemyofdebt.com/2010/02/manage-your-money-pre-challenge-post-on-paper-on-purpose/#comment-4903 Laurie Tue, 02 Mar 2010 12:57:46 +0000 http://www.enemyofdebt.com/?p=3016#comment-4903 lol Oh Brad, when I say new/used, I mean new for me but definitely used (or pre-owned as they say now). I'm driving a 17 year old used Dodge Caravan and my husband chuggs around in a 16 yr old Ford Tempo(also bought used), so it's only a matter of time. If you can point to terrific posts on buying used cars, point away! thanks. lol Oh Brad, when I say new/used, I mean new for me but definitely used (or pre-owned as they say now). I’m driving a 17 year old used Dodge Caravan and my husband chuggs around in a 16 yr old Ford Tempo(also bought used), so it’s only a matter of time.
If you can point to terrific posts on buying used cars, point away!
thanks.

]]> By: Brad Chaffee http://www.enemyofdebt.com/2010/02/manage-your-money-pre-challenge-post-on-paper-on-purpose/#comment-4897 Brad Chaffee Tue, 02 Mar 2010 05:28:59 +0000 http://www.enemyofdebt.com/?p=3016#comment-4897 The awkward phase will go away, and you will notice the more you do this budgeting stuff, the more money will become available. It's just like getting a raise because you are tracking everything. Most people find all kinds of money when they simply track their spending. I do however hope that I may be able to talk you out of buying that new car, especially by going into debt to do so, but I will leave that alone for now since this is about budgeting and not about debt. I will say this though, you could do better for yourself by buying a gently used $3,000-$5,000 that will not depreciate in value as fast. Ooops, sorry! I just couldn't help myself. If you ever want to talk about it let me know, or I could point you in the direction of some terrific posts on the subject. ;) The awkward phase will go away, and you will notice the more you do this budgeting stuff, the more money will become available. It’s just like getting a raise because you are tracking everything. Most people find all kinds of money when they simply track their spending. I do however hope that I may be able to talk you out of buying that new car, especially by going into debt to do so, but I will leave that alone for now since this is about budgeting and not about debt. I will say this though, you could do better for yourself by buying a gently used $3,000-$5,000 that will not depreciate in value as fast. Ooops, sorry! I just couldn’t help myself.

If you ever want to talk about it let me know, or I could point you in the direction of some terrific posts on the subject. ;)

]]> By: Brad Chaffee http://www.enemyofdebt.com/2010/02/manage-your-money-pre-challenge-post-on-paper-on-purpose/#comment-4895 Brad Chaffee Tue, 02 Mar 2010 05:20:18 +0000 http://www.enemyofdebt.com/?p=3016#comment-4895 Kathleen, just know that there are lots of single moms out there going through the same thing you are. Single parents have it rough because like you said you have no one to hold you accountable or offer up alternatives and solutions. I would suggest that you maybe talk to a close friend that would be willing to chat with you about difficult decisions or could call in times of great strain. When you find yourself impulse spending or simply buying something you really do not need, give that person a call. When I started FPU and my wife was in Nursing school I went through the class myself. My wife was on board but not as much as me because she wasn't listening to the lessons and stuff I was coming from Dave Ramsey. it helped me to have an accountability buddy, in fact both of them from FPU are doing this challenge. Okay well one is one the fence but definitely one is. LOL If you would like to maybe pair up with one a participant of this challenge I would strongly suggest it. That's why I am trying to get people talking and sharing during this challenge. I want this to be as much about community as it is budgeting. Good luck and as always, email me with personal questions you may have or share anything you like in the comments section. Thanks for stepping up to the plate when things seem to get tough. Single parenting is a tough job so I have a lot of respect for you and whatyou are going through. Remain strong, and the tide will start to change to favor your goals and desires. Kathleen, just know that there are lots of single moms out there going through the same thing you are. Single parents have it rough because like you said you have no one to hold you accountable or offer up alternatives and solutions. I would suggest that you maybe talk to a close friend that would be willing to chat with you about difficult decisions or could call in times of great strain. When you find yourself impulse spending or simply buying something you really do not need, give that person a call. When I started FPU and my wife was in Nursing school I went through the class myself. My wife was on board but not as much as me because she wasn’t listening to the lessons and stuff I was coming from Dave Ramsey. it helped me to have an accountability buddy, in fact both of them from FPU are doing this challenge. Okay well one is one the fence but definitely one is. LOL

If you would like to maybe pair up with one a participant of this challenge I would strongly suggest it. That’s why I am trying to get people talking and sharing during this challenge. I want this to be as much about community as it is budgeting. Good luck and as always, email me with personal questions you may have or share anything you like in the comments section.

Thanks for stepping up to the plate when things seem to get tough. Single parenting is a tough job so I have a lot of respect for you and whatyou are going through. Remain strong, and the tide will start to change to favor your goals and desires.

]]> By: Brad Chaffee http://www.enemyofdebt.com/2010/02/manage-your-money-pre-challenge-post-on-paper-on-purpose/#comment-4892 Brad Chaffee Tue, 02 Mar 2010 04:59:52 +0000 http://www.enemyofdebt.com/?p=3016#comment-4892 Yeah I can see how that might make it a bit tough. The only thing I can think of at the moment would be to use the calendar to post categories. <strong>Housing</strong> - Mortgage/rent/insurance/maintenance/repairs <strong>Utilities</strong> - electric/gas/phone/water/sewage/internet etc. <strong>Food</strong> - groceries <strong>Transportation</strong> - fuel/maintenance/repair/bus fare/taxi/auto insurance etc. <strong>Misc </strong>- Toiletries/medication etc. <strong>Subscriptions</strong> - Netflix/blockbuster/cable tv etc. <strong>Entertainment </strong>- eating out/fun etc. <strong>Debt</strong> - credit cards/student loans/car loans/furniture loans etc. (if you had to borrow to get it should go here---except for mortgages) That's how I would do it under those circumstances I guess, and I would track individual accounts and spending on my paper budget for the time being. I wish I would have known about this specific issue because I bet this is going to frustrate enough people to keep them from continuing on. I am going to post an extra article covering this issue on Wednesday or Thursday. Let me know if that works. I am sorry about this minor issue. Thanks for sticking it out! :) Yeah I can see how that might make it a bit tough. The only thing I can think of at the moment would be to use the calendar to post categories.

Housing – Mortgage/rent/insurance/maintenance/repairs
Utilities – electric/gas/phone/water/sewage/internet etc.
Food – groceries
Transportation – fuel/maintenance/repair/bus fare/taxi/auto insurance etc.
Misc - Toiletries/medication etc.
Subscriptions – Netflix/blockbuster/cable tv etc.
Entertainment - eating out/fun etc.
Debt – credit cards/student loans/car loans/furniture loans etc. (if you had to borrow to get it should go here—except for mortgages)

That’s how I would do it under those circumstances I guess, and I would track individual accounts and spending on my paper budget for the time being. I wish I would have known about this specific issue because I bet this is going to frustrate enough people to keep them from continuing on. I am going to post an extra article covering this issue on Wednesday or Thursday.

Let me know if that works. I am sorry about this minor issue. Thanks for sticking it out! :)

]]> By: Jo http://www.enemyofdebt.com/2010/02/manage-your-money-pre-challenge-post-on-paper-on-purpose/#comment-4891 Jo Tue, 02 Mar 2010 04:20:47 +0000 http://www.enemyofdebt.com/?p=3016#comment-4891 So far so good. Already had a paper budget which made input easy except I am struggling a bit with the 8 event limit as it doesn't really allow for a detailed financial snapshot. Any suggestions? So far so good. Already had a paper budget which made input easy except I am struggling a bit with the 8 event limit as it doesn’t really allow for a detailed financial snapshot. Any suggestions?

]]> By: Kathleen C http://www.enemyofdebt.com/2010/02/manage-your-money-pre-challenge-post-on-paper-on-purpose/#comment-4879 Kathleen C Mon, 01 Mar 2010 21:38:43 +0000 http://www.enemyofdebt.com/?p=3016#comment-4879 Working out my budget. I'm the only one at the meeting - as a single mom with kids getting ready to fly the coop and a mom that lives with her, I'm the only one that has to do this. Makes arguments easier - I always win! :) However, it makes shared concern and decision making a little bit harder with no one to offer another point of view. My sister (also a single mom, though not with the mom living with her thing!) is going to be my 'budget buddy' when she gets back from her travels... so I may have some adjustments to make. Also, having some issues figuring out Pocketsmith - but I'm sure I'll get there. Working out my budget. I’m the only one at the meeting – as a single mom with kids getting ready to fly the coop and a mom that lives with her, I’m the only one that has to do this. Makes arguments easier – I always win! :) However, it makes shared concern and decision making a little bit harder with no one to offer another point of view. My sister (also a single mom, though not with the mom living with her thing!) is going to be my ‘budget buddy’ when she gets back from her travels… so I may have some adjustments to make. Also, having some issues figuring out Pocketsmith – but I’m sure I’ll get there.

]]> By: Laurie http://www.enemyofdebt.com/2010/02/manage-your-money-pre-challenge-post-on-paper-on-purpose/#comment-4876 Laurie Mon, 01 Mar 2010 19:43:01 +0000 http://www.enemyofdebt.com/?p=3016#comment-4876 I have never budgeted outloud before.(Smile) This is what putting it on PocketSmith feels like. Generally I scribble down the bills for the month, round them up, add them up and subtract from balance in checkbook. I look forward to a different way of budgeting as I'm craving for a "savings" account and ultimately a down payment (or full payment) on a new/used vehicle. Pray I can make it through the "awkward" phase. I have never budgeted outloud before.(Smile) This is what putting it on PocketSmith feels like. Generally I scribble down the bills for the month, round them up, add them up and subtract from balance in checkbook. I look forward to a different way of budgeting as I’m craving for a “savings” account and ultimately a down payment (or full payment) on a new/used vehicle. Pray I can make it through the “awkward” phase.

]]> By: I Love You...Like A Blogger! http://www.enemyofdebt.com/2010/02/manage-your-money-pre-challenge-post-on-paper-on-purpose/#comment-4869 I Love You...Like A Blogger! Mon, 01 Mar 2010 08:54:23 +0000 http://www.enemyofdebt.com/?p=3016#comment-4869 [...] Manage Your Money Pre-Challenge Post: On Paper On Purpose [...] [...] Manage Your Money Pre-Challenge Post: On Paper On Purpose [...]

]]> By: Brad Chaffee http://www.enemyofdebt.com/2010/02/manage-your-money-pre-challenge-post-on-paper-on-purpose/#comment-4866 Brad Chaffee Mon, 01 Mar 2010 01:27:51 +0000 http://www.enemyofdebt.com/?p=3016#comment-4866 Great job Barbara, that's awesome! :) I am about to sit down with my wife, once the kids are fast a sleep, to have our budget meeting. :D Great job Barbara, that’s awesome! :) I am about to sit down with my wife, once the kids are fast a sleep, to have our budget meeting. :D

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