Budgeting

If you want to really change your relationship with money you’ll want to read these articles on Budgeting and Money Management.  Our budget is the single most powerful tool that we’ve used to help us live debt-free and build a strong financial future.

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How Frugal Living Can Help You Hurdle Toward Early Retirement

Frugal Living Helps You Hurdle Towards Early Retirement!

Can Frugal Living make a difference in how soon you retire or is it just a waste of time? We’re going to give you one example of the power of frugal living as it specifically pertains to how soon you can retire. How Much Money Do You Need to Retire? First, let’s calculate how much money you need to retire for a moment. Most retirement planning projection systems don’t adequately show the impact of frugal living in retirement estimate …

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How to Live On One Income: 5 Tips for Parents Who Want to Stay At Home

Can we live on one income? 3 families want to know how.

If you’ve ever wondered how to live on one income or whether your family can afford to do it or not, the following 5 email questions should help you get your answer. TABLE OF CONTENTS1 1. One Income for a SAHM Wannabe2 2. Convincing Your Wife to Live on One Income3 3. Living on One Income When Illness Hits the Family4 4. Living on One Income after Bankruptcy5 5. Living on One Income, Drowning in Debt & No Fun6 …

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Household Budget Success Stories

Budget Success Stories, these will really encourage you!

This Budget Success Stories Page contains a growing list of Budgeting Ideas from readers like you! If you want some encouragement about how a budget can revolutionize your personal finances, you’ve come to the right place. We love hearing stories of budgeting success – going from debt to equity, desperation to determination, and seeing the joy of families who have learned to make their money do what they want it to do. Read these stories and be encouraged! Learn …

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Paycheck Mistake? Don’t Wait Get it Fixed Right Now!

Paycheck Mistake? Don’t Wait Get it Fixed Right Now!

Did your employer make a mistake on your paycheck? Have you been shorted some money or do you have one of these other problems: It’s not fun finding a mistake on your paycheck. But with a little work, most of these types of problems can be overcome quickly. We received this question from a Free Email Newsletter subscriber and thought you’d find it helpful. TABLE OF CONTENTS1 Question about IRS Paycheck Withholding Shortfall2 MoneySmart Answer:3 8 Things to Do …

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8 Secrets to Survive an Economic Downturn or Personal Financial Crisis

How to Survive a Financial Crisis or Economic Downturn

Are you going through a financial crisis or cut in pay? Has the Covid Pandemic created financial hardship for you? If your income were to dramatically drop tomorrow, would you survive? Would you spiral into a financial crisis or would you be able to keep your head above water? Types of Economic Downturns Over the past 40 years, we’ve seen a huge number of economic downturns. How many of these do you remember? 9 Economic Downturn examples: Whether it’s …

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5 Required Emergency Fund Examples to Protect Your Future

Emergency Fund Examples

If you’re building an emergency fund, you’ll want to set some savings goals based on the five-category examples in this article. We’ll give you emergency fund examples, amounts and categories. If you’re managing a budget and have extra money available each month, you’ll want to take note of our emergency fund examples. We took several years to accumulate our 5 category Emergency Fund Savings account. We’ll tell you what the categories are, how much we saved and where we …

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How Does A Budget Work Like a Dam to Protect You Financially?

A Personal Budget like a Dam? Budget Restriction or Happy Budget

Did you ever ask yourself, “How does a budget work?” Do you like the word “Budget?” We often hear people refer to budgets in negative terms. Words that imply pain or restriction or deprivation.  We have a different view of the way budgets work. We look at a household budget as a positive thing. It’s a tool that preserves our money and lets us enjoy life and the things we have.  We think a budget is very similar to …

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A Written Budget: The Best Way to Build Financial Confidence

Budget with Confidence. Green countryside with a bright rainbow reaching to the sky.

If you’re looking for the best way to build financial confidence, try setting up a written budget. We’ve spent the last few weeks describing different spending plans or budget systems. We’ve described several options for budgeting success and the amazing key to our budgeting success. Today we’re sharing five benefits to having a written budget like we use. And yes, we do understand that a written budget may sound less tech-savvy than using phone apps or online budget systems. But honestly, …

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Pay Off Your Mortgage Early – Mortgage Free in 9 years Calculator

Small brown ranch house with green grass and a maroon car parked out front. Paid off mortgage in 9 years

One of the pinnacles of financial stability and security is to Pay off your mortgage early. Owning your home free and clear may seem like a fantasy. But if you follow the 5 steps we took, it can be your reality too. Some people pay their home off in 30 years, others 15. But there are a group of people who simply hate having a mortgage pay it off quicker. We paid our home off in 9 years. Our …

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Best Budget Tracking: The Key to the Most Effective Household Budget Ever!

The Amazing Key to Powerful Budget Tracking

Are you ready to learn about an amazingly easy budget-tracking tool? It’s the most unexpected, simple, and amazing key to an effective household budget ever! We’ve got Budget Tracking secrets to help you become successful financially.  Lots of people talk about household budgets at the beginning of the year. With the holidays quickly fading in the rearview mirror, we’re motoring at full speed into a new year, full of optimism and powered by new resolutions. While some cruise down that …

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