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The Zero Sum Budget: How it Can Help You Become Wealthy

By on Nov 18, 2014 in Budget | 4 comments

One of my favorite tools in the world of budgeting is called the Zero Sum Budget.  What exactly is a zero sum budget?  It’s a budget for your monthly expenses that allots every penny of income, essentially leaving you with zero money in hand at the end of the month.  How does a zero sum budget work?  Well, let’s say that your net income for the month is...

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24 Easy Ways to Save Money at Home

By on Aug 26, 2014 in Budget, Frugal, Money Habits | 3 comments

As we work to reduce our spending, get out of debt and build wealth, I am continually amazed at the never-ending ways there are to save money at home.   We started working to reduce the amount of money we spend on running and living at our home by reviewing and revamping our grocery budget, and it just sort of took off from there.  By researching and studying how...

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Why Your Financial Problems Are Like Dirty Dishes

By on Nov 7, 2013 in Budget, Credit Report, Debt | 20 comments

The other day I was scrubbing a dish that had been sitting in the sink for over a day and I was getting slightly aggravated. I realized that it took me much longer to clean the dish than if I would have just cleaned it immediately when I was done with it. Then it dawned on me, our finances can have a similar result. The longer you wait to clean up your financial...

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The 4 Best Personal Finance Apps for Your Smartphone

By on Apr 22, 2013 in Budget | 11 comments

Balance a checkbook. Create a budget. Set up accounts to better control your finances. Open up a retirement savings account. These are all steps one would like to take when it comes to controlling ones finances. We all have the desire to keep our money in control and we all want to be as responsible as we can when it comes to our spending and saving. But, how many...

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10 Ways to Cut Your Grocery Bill

By on Apr 11, 2013 in Budget | 17 comments

If you are trying to stick to a budget, you have to control how much you spend on groceries. It is one of the largest areas where we spend money each month and if you are not careful it has the potential to break your budget by hundreds of dollars. Want to stay on track and cut your grocery bill in half? 10 Ways to Cut Your Grocery Bill   1. Plan ahead When you...

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How to Create a Budget That Works

By on Feb 21, 2013 in Budget | 13 comments

I had someone ask me recently, “How do I put together a budget?” It dawned on me that budgeting is not a straight forward process. It does take some explaining as well as trial and error to start to get the hang of it. Here is how to create a budget:   1. Gather All of Your Financial Data This includes bank statements, credit card statements, or any...

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