Living On a Budget Without Overspending

Overspending. Who Me? Try Living On a Budget.

Living on a budgedMost of us have asked ourselves that question on numerous occasions, sometimes in disbelief. We never dreamed that it would be possible, until we look at our credit card balances that have been slowly increasing. Would living on a budget prevent that?

Usually, overspending is not a conscious effort. It could start with something as simple as meeting friends on the way to work for a latte. Your cash is spent so you just charge the drink, no big deal.

A couple of times during the week, the same friends suggest that you have dinner with them. You are shocked when the credit card bill arrives and you add up those unplanned charges that total $320.00.

You didn’t realize how easy it was to overspend without being aware of it.  Now how do you tell your friends that you can’t View full post…

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Create an Emergency Fund

3 Lame Excuses Not to Create an Emergency Fund

Create an emergency fundIf you were asked to think back through your own life, and name the one item that topped the list of money management tips, what would it be? We would get many different answers on that question, but the one that tops the list, is create an emergency fund.

Many individuals ask why? There are so many “emergencies” in life that can happen. An unexpected root canal, extensive car repairs, a home large appliance dies, or even worse, you could lose your job. If you don’t have the cash to cover these items, many look to a credit card or even a personal loan, to cover it.

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Tips for Saving Money – Create a Budget

Tips for Saving Money – Create a Budget Now

Tips for saving money - create a budgetLet’s begin by stating one important statistic…US citizens in general not very good savers. It’s a known fact and there’s no point in trying to white wash it. For the current year of 2016, the average rate of savings in America was 5.6%. Not very impressive. We offer these tips for saving money to change that.

According to the Bureau of Economic Analysis, the high income earners save a lot more of their income than the middle income earners. The middle income earners actually save a very small percentage of their incomes, practically nothing. Why is that? We all are aware that we need to be saving more, and yet we don’t.

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5 Budgeting Tips * The Ultimate Guide To Help You In Creating a Budget

Learn How Our Budgeting Tips Can Assist You in Creating a Budget That Works

Creating a budget is crucialYes, we know that budgeting has a bad reputation with many individuals. However, our 5 budgeting tips should make it a bit easier for you in creating a budget. So many individuals have a pre-conceived idea that a budget means calculating hundreds of difficult sums and spending many hours each week tracking every single cent they spend. They think it means being forced to stay at home and never having any fun.

The truth is nothing like this at all. Below are 5 budgeting tips that will prove this idea is wrong.

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Personal Budget Blogs Help Consumers With Budgeting

Personal Budget Blogs Offer Tips on Budgeting

Create a personal budgetReading blogs about budgeting can help singles and families to find more creative ways to stick to a personal budget. The current economy has been an unstable one for a few years in a row and this leads to more and more individuals and households taking extra measures to learn how to budget your money and do their best to stick to them.

Many individuals live paycheck to paycheck and some are not always certain if they will have a job next month or next year.

As more businesses continue to close and the unemployment rate continually goes through a roller-coaster ride, sticking to a personal budget makes more sense now than ever for many individuals. View full post…

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