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Budgeting Articles
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Creating a personal financial budget may not sound like the most pleasant experience in the world. But, you will need to set a personal financial budget to keep your financial house in order. Before you begin creating a personal financial budget, you need to realize that if you must be…
Have you ever thought you may have a certain attitude toward money that keeps you from getting ahead financially? We have all been influenced throughout our lives by family members, friends, and the media about the way we think about making, saving, and more importantly, spending money. The aim of…
Would you agree our society is consumer-driven? Aren’t we bombarded with advertisements when we watch TV, listen to the radio or surf the Internet? Don’t companies spend millions in research to determine how we think, shop and live? After all our everyday choices at the mall or grocery store mean…
Going green is not only becoming the hip and trendy way families across America are living their lives, it’s also smart and sensible. Recycling, composting, buying from farmer’s markets and local merchants, using energy saving appliances and switching light bulbs to CFLs are just a few of the ways that…
If you are looking to expand your garden this year or want to change the way in which you garden, you should consider container gardening.
Benefits
Container gardening has many benefits.
You don't need a lot of space to grow a container garden. You can grow them in something as…
Living frugally and being thrifty are my new obsessions. There are a few reasons why an individual would embark on the frugal life. Some individuals choose to renounce their attachment to material goods in order to lead a more spiritual life. At this time, that is not my goal. There…
I try to raise my children to appreciate nature. We take them on hikes in the woods and teach them about the animals and plants that live there. We go during all seasons in order to show them how nature responds to each season. And they love it!
I have…
Over the last few years, the economy and job market have made it difficult for most of us to get by. Because of this, many of us had to get creative with our budget. Personally, my family’s budget is so tight, I feel guilty when I have to spend $20…
I don’t think I can say enough how important a budget is. One simple way to track expenses is by using an Excel budget planner.
Some people hear the word budget and they cringe. I get that. They think a budget means you can’t spend any money and you can’t…
In my previous article Victory Gardens - Why You Should Plant One Today, I discussed how important it is to plant a garden this spring, especially given the significant rise in the cost of food and fuel and the issues of our global economy.
In order to fully reap the…
Is budget a dirty word to you? Do you think of it as too restraining and a bit of a fun-killer? If so, you may want to rethink that, because making a budget and living within its boundaries can give you a whole new lease on life, and more than…
At the moment many families are struggling. The cost of living is going up and wages are not keeping pace. There is also the increasing threat of job loss as so many jobs are moving offshore. It is just not possible for Australian manufacturing companies to compete with the lure…
Money is essential. I grew up in a traditional middle-class home; my father had a job and my mother stayed at home. Over the years, I have spent a great deal of time and money trying to figure out why I was not making more money. I believe that I…
Learning how to budget and save money is critical to the success of your financial future. You need money to survive in this world. Not only do you need money for everyday living expenses, but you should also put aside some for retirement or for backup in case of job…
Do you know that food is the third largest family expense? If part of entertainment expense involves dining out, the total percentage if the family budget going to food is even greater.
Today you can follow some simple steps to reduce your grocery expenses by up to 25%. Concentrate on…
Creating a budget is the first important step in organizing in your financial life. We cannot overemphasize the importance of a budget for successful financial planning. To start with you have to provide as much financial information as possible. The purpose is to know where your money comes from and…
The consumer society has led us to believe that we can have it all. If we can’t afford it, we can take out a loan or an overdraft to cover it. However, is this still a sensible way to continue to live in view of the worldwide economic recession? If…
My mother was a coupon clipper. We would go to the local convenience store every Sunday morning and buy 4 or 5 newspapers and spend the day cutting coupons. I was a frequent helper, and I knew that clipping coupons helped us save money.
After getting my first apartment, I…
Budgeting does not have to drive you crazy or cause you to feel like you're in a vortex. Sometimes it is the small steps we take that create a big effect, so here are some tips to help you trim your budget without making you feel like you’re in chains.…
What is "Pink Slime"?
"Pink Slime" is a slang term for the lean beef products that are added to many of our foods.
Recently, "pink slime" has gotten a lot of media attention, and I believe a lot of the truth surrounding this product has been hidden from us. Due…
Weight loss programs are great at promoting healthy lifestyles, but they never tell you how to follow their program on a budget. Most diet programs have specific foods that they want you to eat and specific meals they want you to make. If you are not already eating those foods,…
Children are constantly growing, which means you are constantly buying new clothing for your kids. With the changing of the seasons, many parents become anxious as they realize that all of the clothes from last year no longer fit and a major shopping spree is in order.
Saving Money on…
Home canning is an excellent way to stretch your food budget. Buy the food in season when the prices are the cheapest (and the food is the tastiest) or grow them yourself at home and then preserve them through home canning.
Saving Money With Home Canning
First, let's discuss what…
Would you like to know how to become debt free? Our culture has become increasingly unfriendly to living a debt free lifestyle over the years. I think we need to find our way back to the way my grandparents lived.
They built their house with cash. It took them a…
Emergency preparedness is important. Watching the news each day, we see terrible natural disasters happening all over the world. Were those people prepared?
Being prepared for a disaster is something I started doing last year when we had a series of blizzards that severely disrupted our food chain. Some stores…
You do not want to be one of those guys who does not take care of your finances because the world is one big vacuum waiting to suck up the careless, the person void of wisdom, and the person who does not plan well. In Proverbs chapter 27 verses 23,…
It's that time again for anyone living in the same country as me - as sure as clockwork the petrol strike UK has returned to give birth to a mass panic at every petrol station in the country. This time things are a little different, the politicians have been accused…
Tomorrow is going to be a very long day. You will have four classes, the first of which begins at 8 a.m. Your next class, Psychology 1010, is at 9:00. There, you will be taking a test. It will be multiple-choice on a scantron, but still, it is a test.…
There are several easy ways to save money and the benefits are many. It goes without saying that the more you save by reducing your spending, the more money you can apply toward paying off debt.
Contrary to what we are told about the importance of saving money for retirement…
I love Pinterest! Pinterest has taught me how to recycle everyday trash into useful items. Pinterest has taught me how to improve my garden for less. Pinterest has also introduced me to many great blogs that I may not have found otherwise.
What is Pinterest?
If you've never heard of…
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