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How
Much?
I understand that 25% of my monthly
income should be for mortgage, taxes and insurance. How much should
I plan for the remainder of my budget?
There are two of us in our household. Is there a set formula? Also,
if I plan to retire in the next 5 years, should I be carrying a
mortgage for the sake of a tax write off?
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11 Easy Ways to Cut Your Spending
Without Feeling It
 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.
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Household
Math™: How Much Spending
Jackie wanted to figure out how
much money she actually spent this month. She looked at all the
checks she wrote and her credit card spending. Jackie noted that she
hadn't used her credit card for purchases.  However,
she did write a checks for: (1) $50 for cable TV; (2) $125 for
groceries; (3) electric bill for $200; and (4) a minimum payment on
her credit card of $80. How much did Jackie spend this month?
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Living
On What's Left
Let's talk about how much money
you have to cover your household expenses after you pay all of those
bills. Your household expenses would include your groceries, car
gas,  school
lunches, and all of the other stuff that it takes to run a
household. Do you have enough to pay this bill?
All to often, people tend to...
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How do you get over $7,000 in one
year NOT working?
Many of us feel
overwhelmed by debt and don't know how to start
climbing out of it. For others it's a misconception
that the more money you earn the easier it is to save.
My husband and I paid off $20,000 of credit card debt 
and medical bills in 5 years on an average income of
$22,000 a year.
Here is how you can save over $7,000 in just one year
cutting a few things from your... |
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 Budget Baby Steps
You are a
two-income family, sharing and spreading the wealth
amongst yourselves. All of a sudden, baby one comes
along, and you find your heart pulled in a different
direction than you ever imagined. Your emotions run
high, and you make a decision that will change your
life and the life of your family forever -- you quit
your job and your checkbook has a heart attack! |
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Trimming
the Fat From Your Budget
 "Fat" in your family budget
is very much like the extra pounds around your waistline: it sneaks
up on you! Those little, seemingly insignificant expenses here and
there add up to big chunks of your income that could be used
otherwise.
If you're looking to put your budget
on a diet, the first step is to...
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Women
Need to Focus on Saving More Than Men
