Search Results for: blog one tip to jolt your bad spending habit

Five Steps that Will Help You Go on A Spending Break

If you have an unexpected bill, want to take care of a new purchase with cash, build up an emergency fund or just get closer to paying off your overall debt, you might want to consider going on a spending break. How much extra money you accumulate will depend on what you normally spend in any given time period plus how long you decide to stay on your spending break. Saving $500 this month is not unthinkable for most families. Before you get started with a spending break, you’ll need to have a plan to ensure the best success and … Continue reading →

Working Your Wish List Everyday!

My buying wish list just keeps growing. I’ve got children’s items, personal items, overseas travel, toys and gadgets that keep my list growing long and tall. I’m also squeezing out some cash for a workshop I want to do in a month. Also lots of thngs to spend my extra money on. I put them all on a list, and then at the end of the month, I look at what I have saved, and if I want to buy anything on the list. I try to buy something for myself every month – even if it is very small. … Continue reading →

Small or Big, where do I watch my pennies?

Should you sweat the big stuff or the small stuff when starting out? What a great question I received from a friend, and I’ll try to answer simply. Both of course. Watch both the pennies and the dollars Ok, but that may be easier said than done – after all, your starting out and want to pull your finances in line, but everything seems so, well, daunting! I’ve written about baby steps to take when you are starting to plan a budget, but what if you have to start even smaller than that to get yourself motivated? Here’s what Hubby … Continue reading →

The Dirty Word – Budget

Say budget in a small gathering of your friends and you’ll likely hear a bunch of groans and sighs. The word itself is likely to stop any party dead and most of us find it pretty dang boring to think of setting up a budget. Why oh why should we be expected to control and keep track of our money if our government can’t seem to do it? What if our neighbor seems to be really happy living a million dollar lifestyle on a $100,000.00 a year salary? It’ll catch up. I warn you, living beyond your means – or … Continue reading →

One Tip to Jolt Your Bad Spending Habit.

Depressed over Money? Don’t Spend to Compensate! For some people spending money isn’t about the money at all – it’s about boredom, or depression or addiction. Somehow we’ve gotten our spending and shopping under control, but when we see the debt, we get depressed and – you guess it – shop to make us feel better! It’s a vicious cycle. Maybe you’ve been there: You are feeling a bit blue so you head to the mall to get out of the house. You see a dress on sale that you just have to have for your birthday party only seven … Continue reading →