Have you ever tried to devise a budget? I have found that the hardest part of budgeting is getting the rest of the family onboard. It seems that people try to budget the first time for a couple of reasons. They have either totally lost control of their finances and are struggling to catch up [...]
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Is your health suffering because of your budget? Most of you know that we live on extremely low income and so budgeting food is always a challenge. We garden and have a small farm. We have added chickens to the farm and hope to be getting fresh eggs soon. However, we still buy staples like [...]
The ancient Babylonians are thought to be the first to make New Years Resolutions. They made them to find favor with the gods and breaking them was supposed to bring bad luck. Many of us continue to make New Years Resolutions every year and most of us fail to keep them. The Babylonians were careful [...]
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Yesterday I wrote an article on prepaid debit cards, I wanted to highlight one of the best features of using a prepaid debit card, sticking to your budget! I really like prepaid debit cards, because they’re “prepaid.” What that means is that you can auto-load your card each month with a set amount, and then [...]
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I have to confess that not having a credit card is a MAJOR inconvenience. There are times when it is almost impossible to purchase something without it especially since I do so much business online. When I order bulk supplies, it is much less expensive to purchase online and many merchants do not accept Paypal. [...]
I am amazed at how different it feels to get a PAYCHECK. Unless you have worked at home or been a homemaker, I don’t think that you can possibly understand the difference in how you feel when you suddenly have a set amount of money coming in at the end of the week and a place [...]
Yes, you read it right. Today is my first day back at work. This means regular income for the first time in 2 1/2 years. I can make a regular budget and know how much money I will have. It is not a high paying job but it will pay the bills and give us [...]
I was reading a series over on The Simple Dollar on Trent’s 14 Rules of money. The first rule that he wrote about was Spend Less Than You Earn. It made me think about my own situation. Two years ago, I began my journey to ‘fix’ my financial situation. I began reading personal finance books [...]
Continue reading about Spending Less Than You Earn Is Not Enough
I have 4 children, the oldest is 32 and the youngest is 16. I sincerely wish that I was not financially adrift when the oldest ones were growing up, however, I had little or no financial sense. There were times when I had plenty of money and there were times when I had little or [...]
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The economics of smoking is becoming a major issue in my budget. Cigarette prices went up over a dollar a pack in the last 4 months due to various taxes. Needless to say, this has had an impact on my budget especially with Randy and I both being confirmed smokers and it is forcing me [...]
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