Reality Budgets

A common budgeting mistake is not basing your budget on reality. We all want to be able to set aside $200 a month to save for a down payment on a home or our children’s college education. But, if you have to cut your food budget in half to afford to do so… you may find you come up short each month. The key in budgeting is avoiding this common mistake. In order for a budget to actually work, it needs to be first based in reality. During your budget planning, realize that certain things just aren’t in your budget, … Continue reading

Beware of Budget Billing

There are many options that companies may offer you to help you “save” money. They may market it under budget friendly or by having a set amount. Recently I received one such offer. I am going to share it with you, so that you can learn how to evaluate whether your offer is worthwhile. There may be some legitimate offers out there, but you should always read the fine print carefully. The offer I received was for budget billing. The company offered a year long contract with a set monthly payment. They sent me the average monthly payment for this … Continue reading

Money Week in Review Oct. 28 – Nov. 3rd

Whenever you see a great price on an item or a gift with purchase, keep in mind that these are advertising methods to help businesses make money. While they can be good for the business, they may not be so good for your pocketbook. In Miriam’s article this week she asks us, just How Much Are You Paying for the Perks? Whether it be a luxury item or a special offer, it is important to ask yourself some of these important questions. We would like to sit back and say money is all about math and numbers. But the reality … Continue reading