spreadsheet

iPhones are often criticized as expensive and ostentatious. Why buy a smart phone when you can make calls from a $10 pay as you go phone? It may seem like a waste of money, but used properly an iPhone can be a powerful tool in your personal finance arsenal. Here is just a small sampling of [...]

There are less than two months until Christmas — do you have a plan for holiday spending yet? Some people have already finished their holiday shopping. Others have been diligently saving all year long. Still others might be dreading the upcoming holiday season because of the cash outlay it usually involves. If you fall into [...]

Since most colleges don’t have classes on budgeting and basic money management it’s up to students to educate themselves. This collection of 33 free student budget calculators, spreadsheets and worksheets will help students of all ages create a workable budget — plus learn some basic budgeting skills along the way!

Here’s what you’ll find:

9 Web-Based Budget [...]

Owning a computer can be quite expensive, especially once you add up the cost of software to go with it. Fortunately, you don’t have to spend a fortune to have access to great software. In this article, I was to show you how to save money with these must have free software for windows.
Best of [...]

Many businesses are suffering as this recession prolongs. As a business owner, you may be looking for ways to improve your cash flow and ultimately the profitability of your business. Unfortunately, many people stop short at the income versus expenses equation and never dig deeper — resulting in missed opportunities. In this article, I will [...]

As my son grows older I’ve been thinking about how I want to teach him about money. One thing that came to mind was never to say, “We can’t afford it”. No, I’m not going to buy him everything he wants. I just feel that “we can’t afford it” is such a terrible answer. For [...]

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. [...]

Being in debt is not fun. Unfortunately, many people do find themselves in debt and carry balances on multiple credit cards. This article will show you how to eliminate credit card debt on your own without using credit card debt consolidation services. Personally, I think these credit card debt consolidation companies could be helpful to [...]

“When should I take Social Security?” is the first question everyone faces when contemplating retirement. More than 50% of all men and women start taking benefits at 62. By age 66, well over 90% of all men and women are taking benefits according to the Center for Retirement Research at Boston College.
The Break Even Approach
The [...]

I am down right bad when it comes to budgeting. I’ve gotten used to a save first and automatic payments lifestyle that budgeting has become a foreign language to me. However, a recent unfortunate event may put this lifestyle to an end and force us to take budgeting seriously. I have been refreshing myself on [...]