Probably the subject line here makes you cringe. How to talk about money with your spouse? Maybe it is your significant other? Or partner? This can be a touchy and difficult conversation to have. Especially when the talking leads to fighting, which just escalates the emotions even further. So, how can you talk to your … Read more
There are many thoughts on how to spend your money, how much to save, what qualifies as a mandatory vs. discretionary expenses…the list can go on and on. That makes it hard to figure out what should my budget percentages be. When using percentage based budgeting, you are allocating a percentage of a budget for this … Read more
The cash envelope system can be a game changer for anyone struggling with money. It is the best way to only spend what you can actually afford. IN CASH! For many people, they can’t imagine ever spending money any other way than using the cash envelope system. While it is a game changer, you must … Read more
Have you ever thought of putting rules on your money? It is a pretty interesting concept. We tend to have rules for every other area of our life…how much to eat, how much we should watch TV, limiting the amount of social media, amount of time to brush our teeth, etc. Then, that love hate … Read more
The success of any budget lies in planning the personal expenses. While that may seem simple… It’s can be… But then, that is when most people give up on a budget. Most people gave up on a budget because they forget about certain expenses and didn’t know what to do next. Early on in my … Read more
Just like with any other type of goal, you need to find motivation. The need is real in order to have success. You want to pay off debt, but you feel the other ones that can become debt free have high paying jobs. Your debt has been weighing over your head for far too long. … Read more