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Category Archives: Budgets & Spending Plans
Taking the Next Step with your Finances For several years now, my wife and I have been doing well with our finances. I haven’t used a credit card since 2006 or so, and my wife only has a Kohls card … Continue reading
A friend of mine sent me the following today. I’ve seen it before on Facebook and a few other places online but it’s worth sharing again. It breaks down this whole fiscal cliff nonsense into laymen’s terms so it’s easier … Continue reading
Over the years, I’ve come across a lot of different approaches to budgeting. Naturally I feel that my approach is the best. That’s mainly because it works well for me. I finally realized that the method isn’t entirely critical as … Continue reading
5 rules OnTargetCoach and his wife follows when it’s time to work on the household budget: Rule #1: Invite your spouse – do it a few days ahead and in person (don’t text the invite!) Rule #2: Bring snacks (or … Continue reading
Today my friend Jackie Walters from TheBudgetWorks.com produced this humorous video created by her daughter to exemplify the importance for us to save for a vacation. Woven into the background of this drama skit are four important points to consider … Continue reading
When you think about making a purchase, have you ever thought about rating it on a scale of 1 to 10, with 1 barely moving the needle and 10 being a big, exciting WOW?
Back in the 1990’s I came across The Tightwad Gazette by Amy Dacyczn and the revolutionary idea-to me-of actually planning your spending, living a frugal life, and the proposal noted above of a Wow Factor scale. She recommended testing all spending with this simple rule. Basically, you just need to determine how much wow you are getting for the money you are spending. Continue reading
Many of us handle our money by thinking in the present tense. We look at the bills we have today and the money we have in the bank today, then try to make decisions based on the current situation. The problem is, we make decisions in the now, but forget to think about the future: where the puck will be. Continue reading
No Financial Plan is Perfect It’s easy to make a plan. It’s easy to say, “this is how my life will happen.” It’s not so easy to stick to that plan, especially when life gets in the way. And let’s … Continue reading