Yesterday a reader commented on my post 10 Steps to Budgeting with Irregular Income and it reminded me of the most important step to begin a budget or spending plan. Denise from Plain Ol’ Food says We use the envelope system for both personal and business expenses and as cash comes in some is put [...]
If you look around the web, you will find plenty of advice on making a budget. It’s actually pretty simple to do. You write down your income and keep track of your spending. You analyze your spending habits and adjust accordingly. The process is simple, right? Ah, but if you are like me and you [...]
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by Phil Romans With the most recent quarterly statements from Exxon, I am feeling raped. With almost every American heavily dependent on oil, Exxon’s 58% increase in profit in the last quarter seems obscene and Exxon isn’t alone. Oil companies across the board have been booming while the rest of the country suffers in the [...]
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Gas prices have driven my fuel expenses up until they are the highest expense that I have. The recent drop in price has helped quite a bit but it is still my highest expense. I stumbled onto a way to cut my fuel bill in half yesterday and I jumped at it. I have been [...]
Managing your budget is not child’s play but making it a game might take the fear out of the word budget. The following is a game that I developed that can be played for a day, a week or a month. You earn points by making smart financial decisions. You can play it alone or [...]
It seems that I learn things the hard way. I know better than all of these but I keep doing them anyway so here goes a quick list of things that it’s a really, really bad idea to do if you can’t pay your bills. Go Shopping! I know it makes you feel better to [...]
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Over the last several months, paying the business bills has been a grueling process. When the first of the month arrived, I was still struggling to get enough money together to pay them. One or the other of them has been days or even weeks late while I tried to get enough money gathered to [...]
The absolute first thing that came to mind when I read this in “The Richest Man in Babylon” was DUH! All of what I earn is mine. Ah, but as George Clason points out in the book, do you keep a part of all you earn? The answer for many of us is no. We [...]
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Gas prices are falling! I’m sure that is not news to anyone but here in my little corner of Virginia we are well below the national average. I am driving about 50 miles to work one way and my drive takes me through several small towns. I have been surprised at how much variance there [...]
There has been quite a bit going on over the past several months and it has reflected on this site. If you have been following my struggle to keep my house and grow my business, then you know that I have slashed my budgets to the max and frankly it hasn’t been enough. Whether it [...]
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