Archive for the Budget Category

Personal Computer: Buy New or Repair?

Categories: Budget, Spend

You might wonder why an article about computer purchasing at a financial planning website. However, in the last 30 years your personal budget for electronic, such as laptops, smart phones, tablets and e-readers has probably expanded a lot; good decision-making is important.

How to Save Money with Lower Gas Prices in 2015

Categories: Automotive, Budget

Gasoline has dropped about $1.50 a gallon According to AAA the national average price of gas is $2.17 (1/9/15) per gallon, for regular. Gas Buddy reports that the highest average price in 2014 was about 3.70 in April. This $1.53  per gallon drop can mean a few extra thousand dollars in your pocket this year. These… Read More »

How to Budget Easily with Mint.com

How to Use Mint To Create and Follow a Budget Preface: There are three basic tools to design a budget and to track spending. You can use an Excel spreadsheet, a free online app like Mint, or one you purchase like YouNeedaBudget.com, also known as YNAB. Many people ask me should if they should use Mint… Read More »

Financial News and Articles from the Web – Dec

Important and Interesting Financial News and Articles from the Web – Dec New homes built with solar panels, trend to help reduce energy costs SEC MLM warning; says to be aware of internet fraudulent multi-level marketing schemes 16 Rules for Investors to Live By – The Wall Street Journal 16 Rules for Investors to Live By Need a… Read More »

Part 3: How to Follow and Stay on Budget

    Prior articles discussed 1.) Why you should have a budget  2.) What is a budget and how to get started. This article discusses how to follow a budget each month. Most people easily grasp the first two articles, but few people actually follow or stay on budget. For people who really need a budget but ultimately fail… Read More »

Part 2: What is a Budget? and How to Start a Budget

What is a budget? Simply put, a budget is a monthly spending plan for your money. Budgeting made simple, fixed versus variable expenses: Even more simply put, it is a spending plan for your expenses that are not fixed. Fixed expenses are things that stay the same each month. For example, your rent and mortgage… Read More »

Part 1: Why You Should Have a Budget

Cash flow management is especially important today as Americans are saving less and are further in debt than at any other time in our history. Let us explore why you should have a budget. The number of people that have and follow a budget is only about 33% of people today in the U.S. Cash Flow Management… Read More »

What to do with Extra Paychecks

Many people are paid every two weeks, so August may be one of the two months this year you will get an additional paycheck. If you are married and your spouse works outside of the home and paid the same way, then that may mean 2 extra paychecks this month.  However, if you don’t plan, this money will… Read More »

The Whys and Hows of Budgeting

Categories: Budget

In this article I will answer these important cash flow planning questions: Why don’t people budget? Why should people want to budget? What will happen if they do? How to get started easily? Why don’t people budget? It is because you (don’t fear, we have tips below to help you overcome your resistance): Don’t want to: You know it… Read More »

March Money Madness, Who Wins?

Categories: Budget

And you thought March Madness was only about basketball! March is a mad month for money, particularly this March, because the month is full of extra money but also of extra challenges–more than most months. Jon White tweeted last week about #2 below and it got me thinking. Thank you, Jon, financial coach and blogger… Read More »