Money Smarts Don’t Always Come Naturally
I owe more money than I make Money is just one of those things that drive me crazy. My mind sees money as fluid – leaking everywhere quickly, much faster than I can gather it up. At other times, money simply becomes a vapor that… POOF! disappears before I even get to see it. Like [...]
Poor as a church mouse but happy – Conquering my own debt crunch
My New Life – I moved myself and the boys 200 miles north and started over again… five weeks ago. I’ve now been working for a month (car insurance due again so I can FEEL the shift to life becoming a cycle). I’m getting geared up starting an actual BUDGET! October – the timing is [...]
Getting Out of Debt – I’m Starting From Scratch… Again.
Working on Getting Out of My Own Debt Crunch I’m in the middle of moving – I start my new job this coming Monday and it means a 200 mile move. So not only am I packing and decluttering (I truly need to simplify – and I mean SIMPLIFY) – I am spending money [...]
Get Your Money Working for You – Ten Financial Commandments
Ten Financial Commandments By Lane Vause
Well, here are ten good rules that someone might considering follow to achieve financial freedom and also not waste an important asset, money.
1. Thou shalt not buy things before having the money. Many us think that we can pay for it later, so we buy it with our credit cards. [...]
Committing and Giving Beyond Tithes – Family Budget vs. Church Budget
By debtcrun
Today on the Dave Ramsey radio show, he offered his opinion about giving above your tithes in the form of commiting to a church building program all the while trying to get out of debt.
His guidance? Pray about it – act on what God puts on your heart to do. I understood completely when [...]
Debt Crunch and Saving for Retirement – Irresponsible Economists
By debtcrun
Debt Crunch and Saving for Retirement – A Yahoo! headline caught my eye today on the front page “Americans May Be Saving Too Much” so I bit and read Laura Rowely’s article on Yahoo! Finance “Rethinking Retirement Savings (Or Not)” I’ve got to say this article is totally irresponsible journalism (if that’s what such [...]
Frugal Living – The Real Key
By debtcrun
Frugal Living – The Real Key by Steven Gillman When you think of frugal living, do you think it means being miserable, or giving up what you want? If so, you are thinking about it all wrong. Frugality is simply the practice of looking for the less expensive alternatives. Buy things for less, and [...]
Monster Debt – Getting Out from Under the Debt Crunch is a Matter of Mindset and Action
Debt can feel like a big ugly monster stalking you. Goodness, after all these years of working and plotting to get out from under the weight of debt… you would think I would be wealthy by now OR at least nearing the final stretch to become debt free. Instead, life has thrown me so [...]
Money and Boundaries – Found Money and Loans
Found Money – Lack of Boundaries Maybe it’s not a lack of boundaries but I know I had to make it clear that my extra money isn’t for others to use as a cushion.
Okay – I earned some extra money which has really lightened my emotional load this month. I haven’t received the check yet [...]
Home Budget – A Spending Ratio for a More Balanced Life – Personal Finance
By debtcrun
On Money Monk’s December 2006 post – Why I Save Money I learned about a spending ratio that will lead us to a more balanced life financially.
50% Must-Haves
20% Savings
30% Wants
This spending ratio is apparently brought forth in Elizabeth Warren and Amelia Warren Tyagi’s book All Your Worth: The Ultimate Lifetime Money Plan. Now [...]
