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Budgeting

How to Plan for Irregular Expenses

irregular expenses

Budgeting would be pretty easy if you could always plan on exactly how much money you were going to have to spend each month. You could figure out how much you make at your current job, compare that to your fixed expenses, and put together a plan for making the numbers add up correctly. Of course, that isn’t the way ... Read More »

4 Ways to Get Back on Track After Holiday Overspending

4 Ways to Get Back on Track After Holiday Overspending

The holidays have come and gone and January is finally here. Unfortunately, with January often comes a bit of a reality check from a budget perspective. You might find that you spent a bit too much during the holiday season, and that fact will be reflected in your bank and credit card statements. So, is there anything you can do to ... Read More »

5 Ways to to Keep Holiday Spending in Check

5 Ways to to Keep Holiday Spending in Check

With Thanksgiving now in the rearview mirror, our minds automatically turn toward gift-giving season. We start to ask everyone what they want for Christmas and thus begin making our lists and checking them twice. We might peruse ads, surf the web and starting an Amazon list. As an adult, though it’s fun to receive gifts, it’s even more fun to ... Read More »

What to do When You Dread Budgeting

What to do When You Dread Budgeting

Budgeting is an ever necessary evil if you have financial goals you are working toward. Budgets themselves aren’t evil. In fact, they are very useful for things like paying off debt, saving money and more. Budgets can be anything and fit any need. Having a budget doesn’t mean you can’t spend money. In fact, if you are planning a vacation, you ... Read More »

How to Start an Emergency Fund with a Low Income

emergency fund

Everyone knows that it is a good idea to have an emergency fund available for those costs that sometimes pop up in life. You can’t always predict when you are going to need to spend some money, so having an emergency fund put off to the side for just such occasions is a good idea. However, it can be very ... Read More »