Budgeting

Saving (more) at the grocery store

With gas prices now around $1.50/gallon in our area, most people should have a few extra dollars in their monthly budget. If you are careful, you can take advantage of the extra money and apply it to your debt and make some real progress in achieving your goal of becoming debt free. Another way to [...]

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More money saving tips

As we get closer to the end of another year, I am reminded the one thing that never ends, is the opportunity to save money. I came across an article that lists 19 ways to slash your utility bill. Some of them you may have already taken care of but there are a few that [...]

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Do you need a new car?

One of the greatest misconceptions in the area of personal finance is that when you need a car it has to be a new car. The truth is what you need is a reliable car, and that doesn’t have to be a new one. The average new car payment is roughly $450 each month; that [...]

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What’s in your wallet? Cash?

I had to smile as I read an article in the business section of our local paper. The title said it all and right away I knew that I needed to share it. Last month I posted about another article dealing with the same topic, so maybe there really is something to it. With all [...]

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Credit Free Christmas

Hopefully, you have been preparing for the extra financial impact that Christmas invariably brings with it. We have a separate savings line in our budget specifically titled “Christmas”, so that we know exactly what we can afford to spend on our family and friends. If you haven’t been quite so diligent or if circumstances have [...]

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Developing a budget with Irregular Income

For most people, a budget is the first step to winning in the area of personal finance. Developing a working budget isn’t as difficult as most would have you believe, and you don’t need any sophisticated software to develop a budget that will work for you and your family. John Maxwell says that a budget [...]

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