budgeting system

If you read enough personal finance blogs, you’ll see a common theme and the number one answer to your financial dilemma — “Spend Less than You Earn”. Unfortunately, it’s easier said than done, otherwise, we wouldn’t have this rampant debt problem in our society. Fortunately, I went through this myself, and over the years, I’ve [...]

There’s no shame in admitting it: It’s possible to make it through college and into the real world without having the first idea about investing, money management, or anything that deals even remotely with finances. But thanks to the growing number of Web sites and online tools devoted to fiscal responsibility, it’s easier than ever [...]

Just like a runner must run, I believe those who are financially fit must budget. Your budget might look different than another person’s budget.  Someone might have a complex computer system and another might use a simple pen and paper system.  But, to thrive financially you must have a sense of what you want to [...]

I have heard it is said that people spend more with credit cards than with cash. I believe those statistics based on my personal experience. However, there is something to be said for the convenience of the credit card because there are advantages of credit cards over cash. One way to minimize the cost of [...]

Welcome to the 76th edition of Money Hacks Carnival. In this edition, I’ll be presenting some interesting and fun facts about money along with the submissions. For editor’s picks, please look for entries noted with (EP).

Money Fact #1: $1 bills wear out in about 17 months. Bills of larger denomination last longer because they are [...]

There are many free budgeting software online today. I even reviewed a few like Mint and Quicken Online. Honestly, it would be impossible for me to review them all because there are just too many. However, I came across BudgetPulse through one of my regular reader, Craig Kessler. I was impressed by the software and [...]

No Debt Plan is about getting and staying out of debt with a plan. Kevin, the author, is passionate about budgeting, saving for the future, and using goals to reach financial freedom. You can subscribe to his blog by RSS or email.

This interview is part of a new feature he’s developed called Subscriber Swap Saturday. [...]

Impulse buying can be the end to all financial plans. Accounts are most likely overdrawn by the end of the month or purchase decisions are regretted. This is the reason for a sinking fund for all planned or major purchases. Sinking funds are simply savings put in one particular place for a specific thing. For [...]

Investing is something that all of us should consider at some point in our lives. When it comes to making a long term investment, there is no better choice to make than real estate investing. A long term investment is bound to pay off at some point. This is evident because of the fact that [...]

Following up on my how to create a budget article, I want to share with you a budgeting method called the cash envelope budgeting system. The envelope system of budgeting has been around for long time (it’s believed to have started during the Great Depression). However, it became more popular when Dave Ramsey preached it [...]