by Scott Danger
Budgeting. Even a CPA thinks this topic is boring. So why did I choose this topic to discuss? Because unless you have an unlimited supply of cash and savings, it is probably something you should think about and consider.
11 Easy Ways to Cut Your Spending Without Feeling It
by Scott Bilker
There are three main points to be addressed when reducing debt, specifically: (1) Getting organized financially; (2) Becoming more efficient with your current debt and spending; and (3) Generating more income. Here are some suggestions to expand on number (2) specifically as it applies to spending.
Why Having a Budget Is the First Step to Getting Out of Debt
by Harrine Freeman
Many people constantly complain about being in debt but when you ask do you have a budget, do you know how much you owe, or when you suggest they cut back on expenses they look at you as if you are speaking a foreign language, or they just plain out refuse. I am always amazed at this, how can you ever get out of debt if you don’t change your mindset, if you aren’t willing to work hard and make sacrifices. There is no quick fix or cure all to get out of debt. It takes a long time to get in debt and you will not get out of debt overnight.
The Cost of Clutter
by Jill Cooper
We live in a society of extremes. People seem to be extremely in debt, extremely overweight and extremely disorganized. People everywhere are trying to come up with new and better solutions to solve these problems but not many of their ideas are working. It's because they are focusing on the wrong problem. For example, if your child comes to you and says "I have a drug problem." You don't sit them down and say, "Well let's work on a way to get your grades up and then we'll work on your drug problem." How foolish that would be. The real problem is not the grades but the drugs. You take care of the drugs and the chances are pretty good that the grades will come up.
Big Money Problems
by Terry Rigg
Are you scared, worried, unsure of what to do, frustrated, embarrassed and humiliated because you can't pay your bills and put food on the table? What happened? Did you lose your job? Maybe you are sick or hurt and can't work. Did an unexpected expense rip your finances to shreds? Maybe you just used those credit cards too much or bought a house that was more than you could really afford.
Planning for Large Purchases
by Shawn McAnnally
One of the biggest challenges people face in their struggles to avoid debt are large purchases. The easy availability of credit in virtually every retail store makes it hard to resist. You don't need to save for the things you want, you can simply finance the purchase with a new credit card or store account. While this is true, and it does allow for faster gratification, it comes with a hefty hidden cost.
Is Your Money Leaking?
by Diane Palmer
Does your budget have leaks?.. or would you rather not think about it. Most people don't realize how much money actually slips through their fingers in an average week. We are all working hard, trying to get somewhere and make a nice life, and in doing so, we don't pay much attention to the nickels, dimes, quarters and more that are slipping through our hands every day.
Tech-savvy ways to shop smart and save money
by Eric Haubrich
Regardless of your financial situation it always makes sense to stretch your hard earned dollar. Harnessing the technology you have at your fingertips makes saving much easier. There are a lot of ways to get the things you buy on a regular basis as well as major purchases at deep discounts with just a few clicks. Here are some of the best tools you’ll find to shop smart and save money on all kinds of products and services.
Simple Strategies to Eliminating Debt
by Stefano Grossi
If you've taken on more debt than you can handle, don't be discouraged. You're not alone. Thousands of Americans are in the same boat, with many of them carrying huge debt loads. It doesn't matter how much money you make. If you can't live within your means, you become a slave to your creditors. This article is by no means a comprehensive treatise on financial planning. Nonetheless, what follows are a few strategies to regain your financial freedom.
Instant Grati Syndrome
by Harrine Freeman
As a baby when you cried your mother or father came running to take care of you. As a toddler when you cried your parents hugged or talked to you until you stopped. As a teenager when you wanted something you talked really nice and sweet to your parents to get it.