Category: Budgeting/Cutting Expenses

money mistakes we've all made 0

Money Mistakes We’ve All Made.

Some Mistakes are in the Past . . . And Some Are Yet to Come We’ve all made money mistakes. Some of us have made more than others. Hopefully you’ve learned from the mistakes that you’ve made. I certainly have learned from mine. You can read more about them here. In most cases, experience is the best teacher. In other...

Creating a simple budget in excel 1

An Easy How-to For Creating a Simple Budget in Excel.

Learn How to Create a Simple Budget in Excel. So you need a budget? You’ve read many an article about budgeting. Maybe even one or two on this very site. Like this one. Or this one from last week? And now you’ve finally decided to take the plunge and create your very first budget. Happy New Year! But how do...

Personal finance 101: insurance is for risk transference 0

Personal Finance 101: Risk Transference and Insurance

Do I really need all this Insurance? Is all insurance a waste of money? What insurance do I actually need? What is the purpose of insurance? Do I have more insurance than I need? What is “risk transference”? These are all great questions. And we’ll get to them all in this longer than normal post. There’s a lot of info...

things to buy once every ten years 2

Be Frugal and Purchase These Things Once Every Ten Years.

Don’t Waste Money By Buying Something You Already Have – that Still Works! In my opinion, there are specific things that we should buy once every ten years or more. But first, have you ever felt the urge to spend some money? Like maybe it’s burning a hole in your pocket? Sometimes I feel like I need something to research...

Status Symbol competition 10

Observations of a Culture Filled with Status Symbol Competition!!

What would You do to maintain a Status Symbol and “keep up appearances”? If you drive through my town, you might start to notice something peculiar. And while I think of it as out of place, you might think it’s normal and just like everywhere else. And perhaps it is, but even the quaint hamlet in which I live is...

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Is Your Cell Phone Bill Ruining Your Monthly Budget?

Is Your Cell Phone the One Thing that You can’t Live without Despite the Hefty Cell Phone Bill? No matter where we go or what we do, it’s always there. Most of us have smartphones, though I have seen the ubiquitous flip/feature phone in the wild. They are out there . . . trust me. You know who you are....

auction experience 1

How to Take Advantage of the Auction Experience.

The Auction Experience and Getting Out With Your Budget Intact. “We have here a nice set of wind chimes. Ladies and gentlemen, get out your pocketbooks, and bid on these beauties. Let’s start the bidding at fifty dollas. Now who’ll gimme fity, fity dollas, do I hear fity, now twenty-five dollas? Twenty-five, twenty-five dollas?” “Thank-ya ma’am”, he said with a...

Wasting Money Unintenionally 4

Can Wasting Money Destroy Your Get Out of Debt Plan?

Here are 8 Ways You Could be Wasting Money Unintentionally. Are you looking for ways to cut back? Do you feel like you’re wasting money? I think there are many ways that we waste money whether it’s intentional or not. And if you’re on the journey out of debt, you need all the extra money you can find. Setbacks along...