|
|
Friday, April 25, 2008
Yahoo News Agrees with me!
Finally a news agency is "seeing" what I have been. We're in
a recession in certain geographic areas. This Yahoo News Article pretty much sums it up.
What does this mean to you? Maybe something, hopefully nothing!
If you
live in an area that you feel is in a recession, regardless if one has been officially called, take steps immediately to mediate
your future losses. I have guides to surviving and thriving in a recession on my website at www.noexcusebudget.com
If your area has not been hit beef up your emergency fund just in case it does hit your area. Best
case scenario you won't need the extra money and you just increased your savings. Worst case scenario you are prepared.
There are lots of ways to take advantage of a down economy... start thinking now.
As a Real Estate
Professional and someone who is passionate about personal finance I also recognize that a persons house is very important
to them (duh) and that there can be ways to avoid foreclosure. So along with the change to the No Excuse Budget to reflect the new economy we are all facing, I'm going to be adding a whole section on saving your house, and surviving
a foreclosure. It's not a pretty subject but it needs to be discussed. Those crippled in the fear of financial troubles
need an advocate and I'll be offering help with loan modifications, shortage sales and deed in lieu of foreclosure and
foreclosure.
A special thanks to everyone that emailed me their stories of financial success and links to their
bloggs... it'll make the No Excuse Budget even better! I can't wait to unveil the new website in the near future!
As I go about my day to day life I find myself constantly being reminded about the down turn in our economy. I never
want to be the person that is constantly screaming "the sky is falling", but at the same time I feel like I owe
it to the people who are facing the really tough times to know that they are not alone and that there is
a problem. On the other hand I want to take my lead from Paul Revere and warn everyone that the recession could
be coming to their area (if it's not already there) and that there is still time to save themselves.
Yesterday
I had another "ah ha" moment when the local San Diego news said that 1 out of every 74 homes was in some sort of
foreclosure. That is crazy!
The reality is that we are far from the end of this. My best guess is that we have another
2-3 years, at least, of the down market. I've said it before, banks need to get more realistic. Homeowners that can and
want to stay in their homes should be given any and all assistance to make this happen. This is absolutely necessary. Banks
can't even keep up with all the short sale, loan modification and deed in lou of requests. They can't even keep up
on all the bank owned properties they have. If the goal is to get the housing market back on a normal healthy track than these
foreclosures need to stop, and soon. We don't need another boom like we saw a few years ago, we just need people to be
able to sell their homes when they need to move, first time buyers need affordable housing and move up buyers that can afford
a larger payment need loans available to them.
This whole mess has humbled me. It can happen to anyone. Even if
you have the best safety net and plan B, life can come at you hard. As I get older I realize that everything I thought I new
I didn't really know and I also learn that I have alot to learn.
I'm trying to spend as much
time on updating my website to reflect the economy and housing market which leaves little to no time on blogging. I really
enjoy the blogging so I'll be back!
Hope you all are doing well! Has anyone received their simulus checks yet?
How are you going to use it?
7:52 am pdt
Sunday, April 20, 2008
Times are a changing and so is this website... again!
I've seen the signs. I bet you have too. We're in more than a slow
financial period. I'm sounding the bells. We're in a recession. We might even be headed into a depression. I don't
care about the "real" definitions any more. I post the real meanings a month or so again, but I've decided I
don't care if we really "fit" the definition.
I hated how the media acted like the end was
here. They "predicted" the housing bubble for years... but now it seems like they are not as "energized"
about the real problem we are facing.
I've noted how my website traffic has soured with troublesome search
terms in the past month, but yesterday it reached a high for my humble little website. Action is needed and people need real
answers and hope to get through this period. The No Excuse Budget is going to morph in the coming weeks into a real survival
website.
Here are the sections I'm working on adding.
1. I am going to have a section just for
stories of survival. Stories of hope, but more importantly what exact steps these people took to get out of a bad financial
situation and where they are at now. I hate reading stories that say they were near bankruptcy and then they made millions...
we need to know how, right? If you have a story to share please let me know. I'd love to add as many as possible. They
more I have the more others can be helped.
2. I also will be adding a new blog and website exchange. If you have
a website or blog that talks personal finance please email me and let's exchange links.
3. I'll be adding
a section on debt prioritization. Assuming you have no emergency fund and you loose your job you need to know which bills
to pay and how to handle the ones you can't afford to pay... along with the consequences. This is all to help soften the
blow and let everyone know they are not alone.
4. The next section is going to be about the psycological
effects of debt. It would be simple to say that debt can feel like you are physically being suffocated by a pillow, but that
would be an understatement. I will add links to websites that talk about coping mechanisms for insomnia, panic attacks, suicidal
thoughts, marriage counseling and how to keep a "normal" routine for the sake of your children.
5. Losing
your home. Understanding the basics of what happens when you can't pay your mortgage. From default to eviction. I won't
be able to cover every states individual rules but I will be compiling a list of other websites that do. Again this section
is to let you know you are not alone and an overview of what will happen and ways you can save your home.
I don't want to be an alarmist, but I think we are in for very troubled times. It would be easy for me to ignore all
the signs like restaurants going out of business, rising foreclosures, gas that cost over $4.00 a gallon, and the unemployment
rate sky rocketing. I could easily live in my own little world and pretend it's not effecting my life,
but it is. It is effecting everyone whether you want to see it or not. It's time we all realize what is happening and
take care of our families before it's too late.
Please email me if you would like to share your story
of overcoming financial hardship, and/or with links to your blog or website.
webmaster@noexcusebudget.com
If you are facing a financial emergency right now, please remember that this is a temporary situation. Nothing
lasts forever. Everything will be okay. Don't waste away in your troubles. Get out there and take action right now!
10:14 am pdt
Saturday, April 12, 2008
I've been mad about this for a few days now.
I'll keep this short and sweet (well not really sweet).
I think the U.S. Senate provides and encourages drug and alcohol use before they meet. How else can you explain the new
suggested $7000 tax credit to anyone who buys a foreclosed home?
The worst part is that they are promoting this
as "help" to homeowners and the housing markets. This is a load of crap.
The only ones benefiting from
this are the banks. Yes, it's important to the housing market that the banks unload their inventory and get back to doing
what they should be, making loans, but this only helps the banks, it helps NO homeowners.
If they really wanted
to help homeowners and improve the housing market why not offer that incentive to ANY person that buys a property in
todays market? By offering this incentive towards foreclosed, bank owned, REO properties they are hurting regular home
owners who need to sell (remember them, the ones that really do need to sell). How can a regular home owner compete? They
could drop their price by $7000, but then the foreclosed properties would do the same. There is no was that they can compete.
So to recap, this is a bad idea. Doing nothing would be better and no I don't really think they are drinking or
doing drugs on the job... they must be sleeping through the discussion on this one!
10:02 pm pdt
Tuesday, April 8, 2008
GAS!
I remember back in early 2001 watching the news say that gas was going to
hit $3.00/gallon. I was really worried. We had a little one at home that had to go to the Dr. 2 times a week and the trip
was 1 1/2 each way. Between medicine and the actual Dr. bills this was going to push us over the edge. This was when I took
shopping with coupons up to the next level and we obviously survived.
Looking back $3.00 isn't so bad when
you are currently paying $3.56/ gallon. Wasn't it just a few months ago when I was paying "just" $2.56/ gallon?
Oh the good old days!
I'm actually doing okay with my battle over the kitchen (remember my post about being
completely pathetic in the kitchen and all those great ideas I was given?). I've mastered (I'm not saying everything
tastes great, but it's edible) enough menu ideas that we're not eating mac' n cheese or spaghetti every night.
So the food part of my budget is doing well. Now I need to focus on gas.
We drive a lot for work. It's not
unusual for us each to be on the road for 4-5 hours a day and that takes a lot of gas. We bought a sedan a few months ago
and sold my husbands truck. We really needed the truck when we bought it a few years ago, but we did not have the same need
for a truck anymore and we needed something that was nice to put clients in, but that also got better gas mileage. I'm
so happy we did. We are saving close to $700/month since we got rid of the truck, but I can't help but think we could
still do better.
My car is an SUV and although it's not the worst in gas milage it's not the best
either and I really think about gas whenever I get in it. I'd love to get a smaller car but we need at least one car that
can fit the whole family.
Here are the ways I'm trying to save gas... Please let me know yours too!
1. Group trips together- I do the bank, PO, kids pickup and grocery shopping all together whenever possible.
2.
Don't speed. The faster you drive the quicker you burn up the gas.
3. Avoid the stop and go. I *try* to schedule
appointments for times when I know there's not the usual stop and go.
4. Fill up when I see a good price.
www.GasBuddy.com keeps track of gas prices and you can search by zip code.
5. Empty out my car. It's amazing how fast
your car can "grow" junk. Not really, we seem to just leave stuff in the car and the more weight the car carries,
the less gas mileage you get.
5. The old rule of getting your oil changed regularly and keeping my tires properly
inflated.
6. No emergency runs for butter or eggs. It's not worth it to run out to the store for just eggs
or butter unless I'm already out and about.
7. I buy my gas with this discover card that gives cash back
on all fuel purchases. Apply for the Discover® Open Road Card today! 
I think the one that is helping the most is mapping out my day the best I can. I seem to get the most bang for
my buck, gas wise, is by not having to warm up a cold engine all the time and it's nice for the rest of my life to
get all the errands done together and then spend the rest of the day getting actual work done.
11:00 am pdt
Monday, April 7, 2008
How to THRIVE in a recession, Part 2
My personal guide to surviving any bad situation is
to "Control what you can and plan for what you can’t".
Before you tackle this temporary financial situation (yes it is temporary no recession has ever lasted forever),
access your emotional well being. The psychological effect of financial troubles can sometimes be debilitating. You need to
take any and all steps to break out of the fog and start taking action. If you are really feeling blue please see a doctor
or other mental health
professional. Depression goes hand in hand with your inability to conquer this situation. If
you need help, again please seek it.
Typically
recessions last 8-16 months. Some say that this one will last 3-4 quarters or 9-12 months which would be similar to the recessions
in 1969-1970 and the latest one in 2000-2001. I tend to feel that this one will last closer to 16 months, at least. During
the last recession we were sent into even deeper turmoil by the events of September 11th (can you believe that
was almost 7 years ago?), the already slow housing market and the internet stock market crash. Some would say that Sept. 11th
helped with the recovery from the stock market crash, but I would tend to differ on that one as I know people who lost their
businesses soon after due to consumers not spending for awhile after Sept. 11th, they saw no relief soon after
these events.
This recession is different in many
ways, especially in one big way. We are having a major credit crunch. Home loans and credit lines are not available. It’s
one thing not to be able to afford the prices of homes in your area, but it’s another thing to be able to afford to
buy a home but not be able to get a loan. Unless you have a very strong credit history and a hefty down payment loans are
going to be too expensive, if you can even get approved. That’s not to say that it can’t be done. You can still
get a mortgage, but it’s a lot harder and more expensive. The new FHA rules were a move in the right direction but I’ve
yet to see it help the real estate market… maybe as we move into the spring/summer buying season we’ll see more
market movement. I believe that the credit crunch is the fuel that is continuing to ignite this recession and until the credit
crunch is over the recession will continue.
So
what can you do to not just survive but thrive in a recession? I posted basic, easy and common sense ways in PART 1. But let’s
take it up a notch and see what you can do to thrive in this economic environment.
1. Stay dedicated to your financial goals even after the media declares the recession over. Keeping at it will
give you a head start on the next recession. Recessions can also be local instead of national, some areas will recover a lot
sooner than others. Don’t get caught letting loose and then realize that you area is last to recover.
2. Buy a rental property is you can afford to and if you learn through research
that you can come close to breaking even. Why would I recommend buying a house now? Easy, this might not be the lowest point
in the real estate market, but it’s still a lot lower than it was before. As more people loose their homes these same
people will need rentals to live in. There will be a need. The best part is that if you can make it “cash flow”
then the payments you get every month will go towards the mortgage on the property, therefore paying it down AND during the
next high market you’ll be able to sell at a profit or just let it keep getting paid down.
3. Consider changing to a recession proof job. The medical field is booming
as the baby boomers age. The outlook for job retention and new hires in the medical field is very good. Why not consider going
back to school to learn a new skill in the medical fiend.
4. Think of ways to make money that people always need to buy or do. Opening a restaurant would not be a good idea right
now. Restaurants always feel the pain in a recession because customers cut eating out of their budgets first. But there are
other business ideas to consider. Among them Debt Collection, Medical Transcribing, Handyman, and Ebay sales, etc.
See also my list of 50+ ways to make money today.
5. Make yourself invaluable to your employer.
Give your boss 150%, not just 100%. Work harder, smarter and more. Make yourself invaluable for job security. Make yourself
invaluable and make your company more money. Make yourself invaluable and ask for a raise.
Sunday, April 6, 2008
Surviving A Recession PART 1
Here is the first part in my "surviving a recession" series...
As always I like to hear your thoughts and comments!
With all the the recent turmoil in the housing
market, stock market and the rise in gas prices it's normal to wonder how you and your family can survive a recession. You
should be happy to hear that you are already on your way to not just surviving, but thriving in a recession, "why"
you ask, because you actually have taken time out of your life to read this and care. The first step to learning
how to do anything is to want to know and to search out answers.
From here there are many ways to survive any adverse economy. Lets look at some basic ideas.
1. If you have a job do your best to keep it. If you don't have a job, get
one, even if it's not your dream job.
2.
Consider taking on odd jobs to either pay down your debt or to build a safety cushion fund in case you do end up loosing your
job.
3. Redo your budget. Write every expense you have on the No
Excuse Budget Forms. Go line by line and eliminate or lower every possible expense.
4. Contact all your
creditors and ask for lower rates. Call your credit card companies, your phone company and your bank, ask them all to lower
your rates or fees. If they say no call them once a week until they give you something.
5. If you have a high interest
rate loan or one that is about to reset, and you plan to stay in your home for any amount of time, call a trusted mortgage
broker and see if your mortgage can be refinanced into a fixed, lower rate mortgage.
6. Don't put all your
eggs in one basket. Don't count on your job always being there. Don't count on your credit lines still being
available and if you are self employed don't count on always getting work from your biggest client. There is a reason
that you hear the saying "diversify" and "multiple streams of income". Think of other ways you
can bring in money and do it now. Start right now. I can't tell you how many times I have heard people say they wish
they had started ____________ sooner. It takes time and money to make money, start right now.
7. Save any extra
money in a high interest savings account. I like The Orange Savings Account. Earn 3.00%. Great rates, no fees, no minimums  ANY MONEY AT ALL! It all adds up and every penny counts. As interest rates are lowered your local bank will offer
lower and lower rates. Put your money in the highest interest account you can find. If you have more than 6-12 months
living expenses you can afford to put the remainder above your emergency savings into more aggressive places like
stocks and bonds.
8. Put your kids in public school if you have decent schools. Buy a better fuel economy
vehicle if you can get a loan that has a good rate and/or you drive a lot.
9. Rethink your insurance.
Make sure you have enough and that you are getting the best rates. Shop around. Nothing can be a budget killer like not having
or not having enough insurance.
10. Watch for signs and act before they act for you. Is your
current job showing signs that you might not have a job for much longer? Are your paychecks late? Are sales
down? Start putting together your reseme and possibly even start interviewing. If you do lose your job immediately file for
unemployment and start looking for another job. This is no time to feel sorry for yourself. Act immediately.
Remember it's all about money. Money coming in and money going out. Your goal is to bring in as much money as possible
while, save as much of that and limit what goes out. Easier said than done at times, but you get the idea.
Here
are more easy ways to save without crimping your style :-)
Get rid of any reoccurring charges that are not absolutely
necessary. How many subscriptions to random things are on your credit card?
Consider getting your hair cut
at a discount chain instead of your normal salon, even alternating between the two can save you money. Just for
the record I get mine cut for less than $12 ($7 if I have a coupon) and I never thought I could leave a salon and a long time
hairdresser, but I like the way the budget salon cuts it more... same with my nails!
Make your coffee
at home. Even if you have to have Kona coffee or another expensive type making it at home at save.
Eat at home.
Use your coupons.
Buy an entertainment book.
Find a mechanic that is not only good at
fixing cars, but does it for a good price.
Indulge in small ways. If you see flowers on sale for a cheap amount
buy them every once in a while. Seek out ways or places to buy things that make you happy that offer them at a good price.
Use a reward credit card and actually use the rewards. My favorite credit card gives me rewards to book stores and
animal supply stores... needless to say I never "buy" books or pet food... I love the library but sometimes I want
to buy a reference book, or a special book for my kids, and I save the gift certificates for these reasons.
Don't
become the local animal shelter. A lot of animal lovers are faced with this real problem. Once the word gets out that you
are animal friendly, your home suddenly becomes a zoo. Don't let this happen to you.... it's expensive and counter
productive. Instead make arrangements with an area non-kill animal shelter to bring in these homeless pets and spend your
time helping at the shelter. The shelter has arrangements with Vets, food suppliers and more so your donations can go
farther than they could if you opened up shop in your home.
Shop at thrift stores. This is the hardest for
most people. There is a bad connotation with shopping and using stuff from thrift stores. As long as you really
clean your finds you can get absolute bargains! When my children where younger I was able to buy those big plastic play structures
for about 10% of their "new" cost. I cleaned the heck out of them till they shined like new.... and then sold them
for a profit when my kids where done playing with them!
Saturday, April 5, 2008
Is there ever a good reason to rack up your credit cards? And more insight into my life (warning! graphic nature, long post)...
It's not like me to get real personal. I've shared that I have kids,
but not much about them... and I doubt I ever really will. Stay with me on this one. I feel like my cyber friends are my real
friends, but really how well do you really know anyone? I'm not willing to put my kids out there and you'll never
see a picture of them. I don't "knock" those that do share more about their kids as I do what works and makes
me comfortable and others do the same. I can't say if posting about kids publically is good or bad. It's
a personal choice.
When I became a REALTOR® I did not put a picture on my business card. I know that
most real estate agents do, but I just felt really silly doing it and do I really need everyone to know what I look like? I
since realized that future clients really like to see who they are dealing with before they meet you in person and now
I have a picture on my website but still not my business card, I just can't do it. I still feel silly having it on my
website, but I felt like I had to make the plunge and do it... It's not a "glamour shot" or even a
professional photo, just one of me looking like I normally do! I get a laugh out of peoples pictures and then meet them and
they look nothing like their picture.... either they are years older or a Pro took the picture and it's had major air
brushing (don't get me wrong, I could use some air brushing).... Even the picture I use here on my blog is kinda incognito
with sunglasses and such. It's how I really look, and yes I always wear sunglasses, okay not at night, but definitely
during the day. I'm just one of those people who is sensitive to the sun, I burn easy too! (now I'm hearing "I
wear my sunglasses at night, so I can, so I can... remember that 80's song!)
So my point is that I am a really
private person. I fight with this when I write. There is so much I want to share and talk about, but I balance sharing with
maintaining privacy for my families sake. When I first started my website I was shocked at the emails I received, both with
what others would share with me, a complete stranger and with how my comments could be interpreted. I am lucky that I have
not had any truly bizarre issues, but I am mindful of what can happen... I am putting my thoughts and my budget plan out there
to the world, literally and anything can and will happen. Having said this, this is a big day for me as I am going to share
a very private part of my life. I feel like it's a confession of sorts, but not in a bad way, at least I don't think
so.
Here goes. For the past two years I have spent a huge amount of money to have another child. This is the only
area in my life where I would ever consider racking up my credit cards. My "story" started when I went to the hospital
to have a "normal" "easy" "quick" (you get the picture) test done. The test took all of 5 minutes.
I went home and life was normal. Almost exactly 12 hours later I was being transfered from one hospital to another via ambulance
and this started a 6 month battle against an infection that left me unable to get pregnant without IVF. Had the ordering Dr.
remembered to order me an antibiotic or the performing Dr. not lied that the instruments did not have latex (I'm allergic)
none of this would have happened. This was one of those times in life where anything that can go wrong did go wrong.
Basically the infection destroyed both of my fallopian tubes. One tube was removed as it was filled with infection after 6
months of antibiotics, the other was lost with a ruptured ectopic. This was just last September and as horrific as it sounds,
the rupture and surgery were nothing compared to loosing the baby, that broke my heart, the surgery just "broke"
my tube. After this I went on to have two more early losses from IVF, (the last being right after my husbands car accident
by the uninsured motorist, two weeks ago). I'm not done yet. I will keep trying, but at what cost I must ask myself.
And here is where my question starts. Are there any really good reasons to rack up your credit cards and go into
debt? I want to say yes. Having another child would be worth paying down debt for the next 100 years. I promise you I
would never look at the child and say "you were not worth it". I can also imagine using your
credit cards to pay for health care of a family member. There is really nothing I wouldn't do for my families health and
safety wise. Money is just money. Easy come, easy go. You can always make more.
I used to be a very
strict no debt, don't spend more than you make, suck it up, it's your fault you are in debt, kinda person. Having
started the No Excuse Budget and thus hearing others stories has changed me. Having gone through this trying time
in my life has taught me so much. I am a lot less judging and although I really feel like I can budget with the best of them,
and I love my No Excuse Budget system, I also know that I can learn so much from others and that the No Excuse Budget
is and will continue to grow from all of this. I still contend that we must be responsible for our actions and that there
is No Excuse for not having a budget, but I understand that life throws curve balls and that we must adapt. There is trully
nothing we can not overcome and there are no worthy excuses.
On another note, traffic to my website has grown
a lot in just the past few months. What is especially noteworthy is that I have done next to nothing to encourage this.
I have done no advertising. I have been spending all of my time focusing on making money to fuel my "have
a baby addiction" so I was really surprised. The number one search term was "make a budget" and "survive
a recession". This worries me. I've made it very clear that I think we are in a recession, at least in certain areas
and I think more people are thinking the same way. I'll be adding a page to cover these topics on http://www.NoExcuseBudget.com in the next few days. In case you were wondering, the old terms that brought me the most visitors were "free budget
worksheets" and "how to make more money".
So here is my question to all you die hard budgeters
and frugal friends... is there ever a good reason to rack up your credit cards? Please share with me your thoughts...
10:16 am pdt
|
|
 |
|
| |
Hi! I'm Heather Reese, founder of the No Excuse Budget
I realize the importance of having control
of your finances and this website and blog are dedicated to everything personal finance related. Times are changing and everyone
needs advise and encouragement to keep on going while working towards your best financial future.
Discover my proven system for:
·organizing your bills
·paying
your bills on time
·cutting back on expenses
·building
wealth
Check back daily for my new blog posts...and welcome to the No Excuse Budget way of life!
|
|
Quick
Links
Budget System Overview- Need a budget? Living above your means? Do you need to spend less
money and/or make more money or just get control of your spending? Learn how the No Excuse Budget wil lhelp you.
Step One, Gather Supplies- Learn what you need to put together the perfect budget. From paper
to pen and more see what it takes to create your personalized monthly budget and debt reduction plan.
Step Two, Start Budgeting- Time to fill out the free budget worksheets. You'll compiling
your bills and income so you'll have a clear picture of where you are at financial and plan for where you want to
be.
Step Three, Evaluate and Plan- Get ready to plan your future. Take control and make a budget
that works for you! Using the No Excuse Budget Free Debt Reduction Worksheets will enable you to set a plan of attack on your debt.
Step Four, Prepare and Organize- You've created a budget, but what about everything else that comes
with budgeting? Learn to pay your bills on time with the doube check method and how to protect your identiy in one easy step.
Step Five, Fine Tune that Budget- Search through your budget for ways to cut back on your spending.
Learn if it's a need or a want. Articles to spend less and save more.
Free Budget Worksheets- download the No Excuse Budget free budget worksheets.
Free Debt Reduction Worksheets -download the No Excuse Budget free debt reduction worksheets.
Save Money On Food- Save on your grocery bill, save money when eating out, learn to use
coupons to cut your food spending in half, save by ordering food online.
Online Savings- Learn to use the internet to save you money. Don't go to
the mall without reading about onine savings first.
|
Thank you for visiting noexcusebudget.com. We are pleased to provide you with money saving tips, free budgeting worksheets, free household budget
worksheets, and household budgeting information with complete detailed instructions. Our goal is to bring you the best money
saving coupons, paid online surveys, budget calculators and loan calculators. We want you to learn to track spending and saving,
plan and set goals, organize and maintain your personal and household budget so that you can have the best possible financial
future. By offering you a free budgeting newsletter you will learn to make more money and learn to save more money.
Our free budget plan with free budgeting spreadsheet, free Budgeting Plan, free Budgeting Worksheets & Budgeting
Instructions offer you a free simple and effective spending and saving plan using proven budgeting tools and tips to
help you meet your financial goals. Join our budget newsletter to receive our free budget plan, budget course,
budget spreadsheet, and budgeting spreadsheets. We hope you leave here knowing more about budgeting, household budget,
personal budget, planning a budget, home budget, living on a budget, budget planner, and family budgets. If you are looking
for a budget form, how to create a budget, budget worksheet, budget plan, budget spreadsheet, bill pay, money saving
tips, coupons, online coupons, surveys, paid surveys, personal finance, budget, money management, savings, saving tips, spending,
financial calculator, loan calculators and more you are at the right place! Discussed in detail are the following items, saving
money, investing, insurance basics, balance your checkbook, special free offer, coupons, surveys, free links, free stuff,
consumer credit counseling, budget forms, saving and investing, loan basics, pay day loans, insurance basics, and calculators.
Once again, we hope you find this site packed full of helpful information
|
