EOD Budget has finally been upgraded!! (EOD Deluxe Budget Version 2.0) If you have been wondering where I have been, here is your answer. I have been working hard to upgrade the EOD Budget so that your budgeting experience will be easier, better, and faster! I have added lots of new features including an Allocated Spending Plan and a Checkbook Registry. I have added some new content to the Savings Worksheets, as well as implemented a color coded system so you know what areas need your information. Yellow cells are the only cells you need to enter your info […] Read more »
Monkey See, Monkey Don’t!
MONKEY SEE, MONKEY DON’T I have said before that Washington is in desperate need of a Total Money Makeover. If you have been keeping up with current events in Washington then you probably are aware of the current spending proposal to “stimulate” the economy. If not, then you should be, because your tax dollars are being wasted on a daily basis. (Nothing new right?) In fact, your grandchildren are going to be footing the bill. It’s no wonder that most of America has a hard time managing their money, when they watch “supposedly” intelligent minds in Washington giving them […] Read more »
Here Is Your Financial Blueprint
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 »
If My Words Were A Hand, They’d Be Slapping Some Sense Into You!
STOP BORROWING MONEY!!! Just to clear things up, the title isn’t to be taken literally. It’s just my way of grabbing your attention and telling you that if you are in debt, you need to hear this!! So LISTEN UP! This is perhaps the most important thing to learn after getting yourself on a budget. Dumping your debt will help you gain traction and in return offer you a hope you have never imagined. The reason is because all of the things most people have their money spent on before they ever get paid, steals their hope. When you accept […] 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 »
Relationships That Count
You Do It! If there is one thing that comes through clearly in the “Relating With Money” lesson it is that we all need support and encouragement. We need each other. If you are married, you need your spouse in order for this money thing to work. If you are single you need someone to hold you accountable. So many people that I know use the “you do it” philosophy when it comes to money. I have too. When Alana and I first got married, she was the one who controlled the finances. That was until we had a few […] Read more »
Financial Peace University Comes To Charlottesville
It is now official! FPU is coming to Charlottesville, specifically to Trinity Presbyterian Church! The preview will be on July 20th at 6:00 p.m., and the classes will begin on August 3rd! During this time I will be using this blog to get the word out. Almost everything you see will have something to do with FPU. I have created my own video to start things off! ENJOY! UPDATE: We have obviously not reached our original goal of September of 2008. That goal was set based on everything working out perfectly. As you know that only happens in the movies. […] 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 »
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 »
Sometimes Money ISN’T The Cause Of “Money Fights”!
I thought that this picture was appropriate for my current situation. Recently my wife and I have realized that there are some things we disagree on. Disagreement is normal but a lack of communication can cause a disagreement to become a serious issue. The doors of communication must be open at all times, not just when you are in an argument. It is then that the one time reasonable objection becomes more of an attack move. It is very important to understand that if you disagree with your spouse about something, it is ALWAYS better to voice your opinion. Remember […] Read more »
The Path To Debt Freedom!
The Path To Debt Freedom! (My journey illustrated) (updated) NORMAL looks like this! (Borrow NOW, CRY later!) >>> “When do I get paid again?” (The cycle of cycles!) >>> Instead of chasing it, I just tell it what to do! >>> Never again! (Cash only!) >>>o Big T.V’s are nice, but not as nice as being debt free! (Put the $600 towards my Emergency Fund) >>> Sold the left ($8,500) and bought the right ($500)! (Savings- $375/month) Gazelle TIME!!! (Determination has never been more intense!) TO Saving has become a way of life! ($5,500 EF) Aaaaaaaaaaaagggggggggghhhhhhhhhhh!!!!!! We’re Debt Free!!! FREEEEEEEEEEEDOM!!!!!!!!!!! […] Read more »