June 2009

Worried about retirement because you started late?

We hear a lot about the importance of starting retirement savings early, but for those that are late coming to the ‘retirement savings’ dance, what do they need to do differently? Someone asked me that very question just yesterday. The answer for the most part is nothing. Whether you start early or late the desired [...]

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Is debt consolidation right for you?

A couple of days ago I was asked by two different people about debt consolidation loans. I will state up front that I have used a debt consolidation loan in the past. The process of getting the loan was easy (because my credit was good), it was very organized (because the business has been around [...]

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YNAB – Online Course – Day 5

There are four rules of cash flow that YNAB is based on. We covered Rule #1 which states that you should live this month on last months income. If you are wondering if all the rules are going to be this tough, the answer is no. After Rule #1, things get a lot easier. So [...]

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A phrase we never say (anymore)!

Before we began living on a budget, we often found ourselves not able to afford certain things. We were constantly telling each other, “We can’t afford that”. It usually wasn’t anything overly extravagant, just normal items that today we can buy anytime we like. By managing our resources we have found that we no longer [...]

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Thumbnail image for YNAB – Online Course – Day 4

YNAB – Online Course – Day 4

Is a little white lie, still a lie? Is a little bit annoying, still annoying? Is a small purchase still a purchase? Hopefully you answered yes to all three of these questions. If you did, then you are well on your way to understanding all there is to being successful with money. You see, for [...]

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Thumbnail image for YNAB – Online Course – Day 3

YNAB – Online Course – Day 3

Ready to get to work? Here is where the real meat and potato part of the YNAB budgeting system begins. The YNAB design is built around Four Rules of cash flow. Rule #1 will help you stop living paycheck to paycheck. That is right! The idea of living paycheck to paycheck is out the window. [...]

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