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Budget

Category Percentages for Successful Budgeting

By on Apr 30, 2015 in Budget, Money | 4 comments

One of the biggest tools of success when it comes to money management involves knowing where your money goes each month. Many individuals, couples and families fall into financial trouble but don’t understand why because they miss this financial management basic. Making a budget and a spend-tracking sheet can feel a bit like having overly strict parents: your budget...

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The Challenge Everything Budget

By on Feb 3, 2015 in Budget, Saving Money | 17 comments

Readers of personal finance blogs might be hearing about a new way of budgeting and saving money.  It’s called the Challenge Everything budget.  One of the pioneers of the Challenge Everything budget, J$ of Budgets Are Sexy, explains it like this: “It’s my new mentality of challenging the ‘norm’ and getting my expenses as low as possible...

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5 Ways to Get Financial Fit for the New Year

By on Jan 15, 2015 in Budget, Retirement, Savings | 0 comments

It’s a new year and that means that no matter what happened last year, you can start over with a clean slate. Here are five things that you can start doing in 2015 to better your financial picture and start on a path toward achieving your financial goals. Pay off consumer debt Debt can be debilitating. That’s why my wife and I decided to pay off $52,000 in debt in...

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How to Remodel on a Budget

By on Jan 6, 2015 in Budget, Saving Money | 0 comments

Home remodeling and improvement costs can be expensive, if you allow them to, but there are plenty of ways to remodel on a budget.  Whether your remodel or home improvement means re-doing a room, finishing off a basement, staging your home or simply updating and replacing worn items, there are several avenues available that will help you improve your home at...

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Personal Finance 2015: If You Only Set One Money Goal This Year

By on Dec 9, 2014 in Budget, Money | 4 comments

The time is here for setting personal finance goals and resolutions which, for most people, come with a hope of a more solid financial life and stable financial future.  Managing money better, along with getting in better shape, seems to be near the top of the list for most everyone when new year goals and resolutions are made.  For most, those goals will fall by...

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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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