Ever heard of the envelope budgeting system? If not, you’re one of the few. Truthfully, the system works! It takes time. It takes commitment. And it takes everyone in your household. But it does work. Can it change your life? YES, but only if you’re willing to work at it.
It’s January! Yep, Christmas is over and all those bills are arriving in the mail or in your inbox. That means that it’s time to figure out how you are going to pay all those monthly payments! Don’t worry, you’re not alone. Most of us spend way more than we
The fastest way that I know of to get a real fresh start on your financial life is to build a realistic budget and then stick to it! Let’s face it, living from paycheck to paycheck is stressful, and surprisingly, most people these days live that way. But you don’t
A couple of months ago while attending a board of education meeting; a fellow colleague was astounded that I was able to put a hot meal on the table for my family before rushing out the door. She asked, “How do you get dinner on the table on time? How
Do you make a decent living yet see yourself counting on that next paycheck to survive? A recent study (PDF document) conducted shows that 47 percent of Americans are living paycheck to paycheck. Whether it is due to poor budgeting skills, or perhaps not knowing how much to save a month,
It’s February; shouldn’t we already have our 2017 budgets created? If you don’t, please don’t beat yourself up about it. It is never too late to start planning and budgeting for the year. If you already have your budget created, perhaps there is something that you missed or need to