http://www.debteliminator101.com/2006/02/plan-a-budget.html www.debteliminator101.com - A complete guide to smart financial decisions that keep you out of debt! Tue, 06 Jan 2009 06:27:46 +0000 http://wordpress.org/?v=2.0 http://www.debteliminator101.com/2006/02/plan-a-budget.html#comment-57 Tue, 09 May 2006 23:37:21 +0000 http://www.debteliminator101.com/2006/02/plan-a-budget.html#comment-57 [...] I won’t deny it, my parents were not the best teachers when it came to financial preparedness. In fact, growing up I watched them use the credit card for everything. Of course they owned a business and if you are an owner of a business you would know that a credit card is a bare necessity; however, in my home, a credit card was used for absolutely everything. There was no encouraging of putting money in a savings or investing in a bond, mutual fund, or CD. Budgeting is a word I learned on my own after I moved out and found an excessive amount of debt that had somehow accumulated in the balance of my credit card and saw no possible way to pay it off with the wage I was making. I do have to give them some credit for putting such a big emphasis on getting a real job at the age of 14 to purchase the things that I would need or want in hopes to teach me responsibility, however, the education on properly saving and investing my money was never given to me. [...] […] I won’t deny it, my parents were not the best teachers when it came to financial preparedness. In fact, growing up I watched them use the credit card for everything. Of course they owned a business and if you are an owner of a business you would know that a credit card is a bare necessity; however, in my home, a credit card was used for absolutely everything. There was no encouraging of putting money in a savings or investing in a bond, mutual fund, or CD. Budgeting is a word I learned on my own after I moved out and found an excessive amount of debt that had somehow accumulated in the balance of my credit card and saw no possible way to pay it off with the wage I was making. I do have to give them some credit for putting such a big emphasis on getting a real job at the age of 14 to purchase the things that I would need or want in hopes to teach me responsibility, however, the education on properly saving and investing my money was never given to me. […]

]]> http://www.debteliminator101.com/2006/02/plan-a-budget.html#comment-30 Thu, 20 Apr 2006 22:10:14 +0000 http://www.debteliminator101.com/2006/02/plan-a-budget.html#comment-30 [...] • Set a goal. If you have something you are working for, it is easier to watch your money. Think about a vacation you want to take this summer or a new house you’ve had your eye on. • Keep track of where your money goes. And not just a vague idea in your head. Write it down. Keep track of what you spend and where. You may be surprised at unexpected leaks in your expenditures. • Don’t eat out. Many families are getting into the habit of eating out every night. Limit your family to one dinner out a month. Eat dinner and home and take your lunch to work. This can save hundreds of dollars a month. • Be careful when you shop. Don’t do grocery shopping when you are hungry and, ladies, don’t go shopping when you are depressed. Always make a list and stick to it. • Direct deposit some of your paycheck into savings. Check with your employer to see if this option is available to you. It is much easier to save when it is an automatic withdrawal from your paycheck before you get it. • Sell something you don’t want or use. Do you have an extra car sitting around that some day you are going to fix? Or that camper out back just in case you ever change your mind and decide you like camping? Give Ebay a try, or even the local classifieds. One man’s junk is always another man’s treasure, and it doesn’t hurt that you can make money off the deal. • Get a second job. If you still can’t escape the cycle of paycheck to paycheck living, try working a second job for a while. It is no fun, but the extra cash will really help you meet your goal. [...] […] • Set a goal. If you have something you are working for, it is easier to watch your money. Think about a vacation you want to take this summer or a new house you’ve had your eye on. • Keep track of where your money goes. And not just a vague idea in your head. Write it down. Keep track of what you spend and where. You may be surprised at unexpected leaks in your expenditures. • Don’t eat out. Many families are getting into the habit of eating out every night. Limit your family to one dinner out a month. Eat dinner and home and take your lunch to work. This can save hundreds of dollars a month. • Be careful when you shop. Don’t do grocery shopping when you are hungry and, ladies, don’t go shopping when you are depressed. Always make a list and stick to it. • Direct deposit some of your paycheck into savings. Check with your employer to see if this option is available to you. It is much easier to save when it is an automatic withdrawal from your paycheck before you get it. • Sell something you don’t want or use. Do you have an extra car sitting around that some day you are going to fix? Or that camper out back just in case you ever change your mind and decide you like camping? Give Ebay a try, or even the local classifieds. One man’s junk is always another man’s treasure, and it doesn’t hurt that you can make money off the deal. • Get a second job. If you still can’t escape the cycle of paycheck to paycheck living, try working a second job for a while. It is no fun, but the extra cash will really help you meet your goal. […]

]]> http://www.debteliminator101.com/2006/02/plan-a-budget.html#comment-29 Thu, 20 Apr 2006 20:28:06 +0000 http://www.debteliminator101.com/2006/02/plan-a-budget.html#comment-29 [...] This site is dedicated to helping you become educated in the difficult and confusing insurance terms and lingo, while providing understandable explanations to your tough-to-answer questions. Throughout our site you will find basic tips, strategies and suggestions to help you make sound insurance decisions. By becoming educated in the insurance world and understanding your insurance plan, as well as the words your insurance salesman or agent is using, you can confidently go out in pursuit of insuring your family and closest possessions. Financial success comes from being properly insured, and prepared to handle any situation that is thrown your way. [...] […] This site is dedicated to helping you become educated in the difficult and confusing insurance terms and lingo, while providing understandable explanations to your tough-to-answer questions. Throughout our site you will find basic tips, strategies and suggestions to help you make sound insurance decisions. By becoming educated in the insurance world and understanding your insurance plan, as well as the words your insurance salesman or agent is using, you can confidently go out in pursuit of insuring your family and closest possessions. Financial success comes from being properly insured, and prepared to handle any situation that is thrown your way. […]

]]> http://www.debteliminator101.com/2006/02/plan-a-budget.html#comment-28 Thu, 20 Apr 2006 19:19:24 +0000 http://www.debteliminator101.com/2006/02/plan-a-budget.html#comment-28 [...] Travel has become very important in the business world today. In fact, many businesses rely on traveling to help market products, seminars and training purposes, conferences, and much more. It is very useful for the growth and development of some companies; however, it can cut into your budget leaving a big dent if you are not careful in the choosing of your travel expenditures. In this extensive website we have put together some information and tips on how to budget your money and precious time when traveling. [...] […] Travel has become very important in the business world today. In fact, many businesses rely on traveling to help market products, seminars and training purposes, conferences, and much more. It is very useful for the growth and development of some companies; however, it can cut into your budget leaving a big dent if you are not careful in the choosing of your travel expenditures. In this extensive website we have put together some information and tips on how to budget your money and precious time when traveling. […]

]]> http://www.debteliminator101.com/2006/02/plan-a-budget.html#comment-24 Tue, 28 Mar 2006 22:35:29 +0000 http://www.debteliminator101.com/2006/02/plan-a-budget.html#comment-24 [...] Credit counseling is another common way to get out of debt, however, you still have fees to pay which add to your expenditures. More and more people are starting to go with this option especially since filing for bankruptcy is now hard to do. Credit counseling is not such a bad idea; there are just a few things to watch out for. Click HERE for more details. [...] […] Credit counseling is another common way to get out of debt, however, you still have fees to pay which add to your expenditures. More and more people are starting to go with this option especially since filing for bankruptcy is now hard to do. Credit counseling is not such a bad idea; there are just a few things to watch out for. Click HERE for more details. […]

]]> http://www.debteliminator101.com/2006/02/plan-a-budget.html#comment-22 Mon, 27 Mar 2006 19:16:02 +0000 http://www.debteliminator101.com/2006/02/plan-a-budget.html#comment-22 [...] The Sephora collection will help you depict what is best to use for your skin/hair type. This special Sephora Collection includes products from a variety of companies; including the top name brands. You can pick and choose what you feel would be best for your body and budget. [...] […] The Sephora collection will help you depict what is best to use for your skin/hair type. This special Sephora Collection includes products from a variety of companies; including the top name brands. You can pick and choose what you feel would be best for your body and budget. […]

]]> http://www.debteliminator101.com/2006/02/plan-a-budget.html#comment-16 Tue, 07 Mar 2006 23:21:57 +0000 http://www.debteliminator101.com/2006/02/plan-a-budget.html#comment-16 [...] Educate yourself on social security – learn about social security benefits and all it entails. This will come in handy when mapping your retirement budget. [...] […] Educate yourself on social security – learn about social security benefits and all it entails. This will come in handy when mapping your retirement budget. […]

]]> http://www.debteliminator101.com/2006/02/plan-a-budget.html#comment-13 Tue, 28 Feb 2006 23:42:29 +0000 http://www.debteliminator101.com/2006/02/plan-a-budget.html#comment-13 [...] So, I hear you are in debt… like most Americans are. Don’t worry; I have put together a few tips on how to shave those few extra dollars off of your debt roll. Yes, it’s true; we all have some financial baggage that needs a little attention. Whether it be toning, losing, or building that debt/bank account, read below: [...] […] So, I hear you are in debt… like most Americans are. Don’t worry; I have put together a few tips on how to shave those few extra dollars off of your debt roll. Yes, it’s true; we all have some financial baggage that needs a little attention. Whether it be toning, losing, or building that debt/bank account, read below: […]

]]> http://www.debteliminator101.com/2006/02/plan-a-budget.html#comment-12 Fri, 24 Feb 2006 23:43:48 +0000 http://www.debteliminator101.com/2006/02/plan-a-budget.html#comment-12 [...] So the moral of the story is to curb your spending! Especially if you are young. Get into the habit of living within your means. Invest in your future and only buy what you can afford! budget college loans debt personal finance student loansbudgetcollege loansdebtpersonal financestudent loans [...] […] So the moral of the story is to curb your spending! Especially if you are young. Get into the habit of living within your means. Invest in your future and only buy what you can afford! budget college loans debt personal finance student loansbudgetcollege loansdebtpersonal financestudent loans […]

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