Here Is Your Financial Blueprint courtesy of Enemy of Debt created by Brad Chaffee Well the time has finally come! You no longer have any excuse at all as to not having a budget. I have created a worksheet for you to use to make budgeting fast and easy. It is up to you to take advantage of it. I have included a savings worksheet for you as well. Remember a budget isn’t a device to control you, it is a device used to control your money. Whether you use it to spend irrationally or to manage responsibly, the point […] Read more »
The “B” Word!
Yeah I said it, the “B” word….Budget. My FPU class just finished Lesson Three called Cash Flow Planning, and when most of us think about a budget, all kinds of negative thoughts surface. First we think it will keep us from having fun. If you are like me then you may have thought it was more trouble than it was worth. Seriously, why should we do a budget when it always seems to collapse midway through the month? Most of us have avoided doing a budget our entire life all because of these misconceptions. The truth is that the budget […] Read more »
The Budget Puzzle
Is your puzzle missing a few pieces? Your budget is just like putting together a puzzle. Every piece is important because without all the pieces it will never be complete. If your budget is not a completed plan for how to spend your money, it is not a plan at all. There are many things that have to be considered for a budget to work. The death of a budget is when we feel the budget has failed and we give up. It’s true the budget did fail, but we need to understand that it only failed because we failed […] Read more »
What If You Were Recession Proof?
Are we experiencing a recession? That seems to be the question of the year. If you watch the news, you are probably convinced that you should just give up. Don’t start digging that bunker just yet. The truth is that the U.S. is merely growing at a slower rate. From January to March the economy grew at the same rate of 0.6 percent, as the last quarter of 2007. Slow, but still growing. A recession is defined as a period of economic decline; specifically, a decline in GDP, for two or more consecutive quarters. Maybe we should wait until we […] Read more »
How To Balance Your Checkbook
I found these videos on YouTube and wanted to share them. Until recently, balancing my checkbook was non-existent. The truth was I didn’t know how. A little embarrassing yes, but the truth is there are lots of people that do not bother with this financial detail. For those of you who already know how to balance your checkbook, share this post with someone you know that has difficulties in this area. Read more »
Ideas On How To Give Yourself A Raise
Have you done a budget only to find out there isn’t much disposable income left? Even worse, are you in the negative? Here are some ideas that we have tried, have heard others recommend, or that we intend on trying in the future. If you are willing to try some new ways to trim the budget, and earn extra money, you have come to the right place. I hope you can try one, some, or even all of these ideas to help GIVE YOURSELF A RAISE! Good Luck! Read, read, read! The more you read the more you know. The […] Read more »