Budgets

Will A Food Budget Tool Help Save Money?

Posted on March 11, 2014 by Kristy Lamar

Have you ever heard of the saying, “spend a nickel, save a dime?” In a budgeting world the focus is always to cut back and cut out extra expenses. How does this saying fit into a budget? Dave Ramsey is always full of good money saving ideas to get people’s finances back on track. Not only is it his mission to help others, but he is passionate about finding tools to help them achieve success. It is not an unknown fact that food costs are one of the biggest budget … Continue reading →

Posted in Budgets | Tagged budget tool, budgets, cutting cost, Dave Ramsey, emeals, food budget, meal plan |

Budget Tips: Find Ways to Better Manage Your Money

Posted on March 10, 2014 by Kristy Lamar

When your wallet is tight, it is time to scale back the budget. Fixed expenses are not the easiest to pare back on unless you downsize your home. Discretionary spending is the perfect place to start. There is a lot of wiggle room with money spent on costs above and beyond what you need to survive. With one significant change, a wallet will loosen up to a more comfortable spot. If several changes are made money worries will remain in the past. Where can you make cutbacks to support a … Continue reading →

Posted in Budgets | Tagged alternative money, budget tips, budgets, credit card debt, money management, Payday Loan, spending haits |

Tips to Control The Baby Budget

Posted on March 9, 2014 by Kristy Lamar

As families grow, so do household costs. A new baby comes into the world with a major price tag attached to the little body especially if it is the first born. Parents feel the need to have this and that and budgets get blown apart. There is a lot of planning which must be done, but there are ways to save money during this exciting time. Give your budget time enough to adjust and recover during the first years of your baby’s life. For those who live in a small … Continue reading →

Posted in Budgets | Tagged baby gear, budget, budget control, control spending, money management, tips to curb spending |

Why Will Tracking Expenses Help My Budget?

Posted on March 6, 2014 by Kristy Lamar

Most people know how much money they earn every month. They know when the money is placed into the bank account and they know how to use it. There was never a need for financial classes to understand that piece of the budget. Troubles usually stem from money leaving the account. Bills are paid each month and the rest goes where? If you don’t know where all your money goes each month, you may waste more money than you realize. -Trips to the coffee shop -Shopping off your grocery list … Continue reading →

Posted in Budgets | Tagged budget, budget priorities, cash advances. alternative money, cut backs, money management, smart shopping |

Free Budget Help: Measure and Manage Financial Goals

Posted on March 5, 2014 by Kristy Lamar

Are you having trouble setting up categories within your budget? Knowing where you money goes each month is one of the major components to learning about your spending habits. If you can’t measure your spending, how can you manage it? A trip to the coffee shop is no big deal until you see the final count of how much was spent at the coffee shop that month. When you track your spending through categories you can do just that. Find an online service or smartphone app to make this process … Continue reading →

Posted in Budgets | Tagged budget, budget help, find savings, free budget help, get out of debt help, Mint, money management |

What Is A Budget and Why Do I Need One?

Posted on February 27, 2014 by Kristy Lamar

In a nutshell, a budget is a spending plan that helps to allocate income. It will pool together all household income and prioritize each expense according to personal needs and situations. Expenses are managed by categories to control cash flow and limit error. A well-managed budget creates a plan focused on financial goals and objectives. What do you want your budget to do for you? Will a budget limit debt? Only people and circumstances can actually limit debt. A budget is going to manage it to minimize any liabilities. Long-term … Continue reading →

Posted in Budgets | Tagged budget, budget plan, budget tools, cash flow, debt management, money management, payday loans online |

Good budgets will help pay for student loans and payday loans

What Problems May Occur By Putting Student Debt On Hold?

Posted on February 25, 2014 by Kristy Lamar

Student loan debt is technically considered good debt. It bought you an opportunity for a better paying job. The six month grace period ends fast and payment is due. How do you handle your student loan debt? Most graduates will not have landed a job in their field by then if they have any job at all. Loans are oftentimes placed into deferment or forbearance until everything falls into place. How long should you put debt on hold? Put debt on hold the least amount of time necessary so you … Continue reading →

Posted in Budgets | Tagged budgets, deferment, forbearance, income-based loan, payday loans, student loans |