|
|
Sunday, May 25, 2008
Budget Basics
I haven't visited budget basics lately, and I think it's time to
take a step back and go there again.
Budget basics can be thought of in 2 different ways. Planning and surviving.
If you are in planning mode a budget takes you through a journey into how much money you make and how much you CHOOSE
to spend. You can allot a percentage to housing, transportation, food, medical, entertainment, etc. Your in good shape here.
You are in control of your financial future. Enjoy the freedom and relief that comes from this. Use this time to really plan
dream about the future. You can make anything a reality!
If you are in survival budgeting you list your exact expenses,
then list your income and you either smile or cry! After that it's action time. My budgeting plan says to tackle every
bill or expense one at a time and either cancel it (if you can) or somehow reduce it. Asking for a discount in the interest
rate or service works. Whatever it takes. If it means renting out a room in your house to taking any and all odd jobs,
do it.
Some people will find that they start in survival budgeting and end up in planning budgeting. By reducing
expenses and increasing income you can get back on track.
Money trouble shock is a common accurance in a down economy.
You might feel desperate, stuck, and ill when it all catches up to you and you realize just how bad it all is. Don't go
into shock. Do everything you can to keep on going. When you get through this period your only regret will be why you didn't
start recovering earlier.
Do whatever it takes to get through the day. Make a list of what you have to get done
and what you should get done to better your situation. Sometimes it helps to have someone else directing you towards a better
future, and your list can be this "person". Be sure to get sleep so that your awake hours are as productive as possible.
Don't give up. Nothing is forever.
I think everyone needs to visit budgeting basics at least once a year just
to make sure that you are on the road that you want to be, if not regroup and take a new road!
3:32 pm pdt
Sunday, May 18, 2008
Where people are hurting...
My backyard. Well maybe not exactly in my back yard... but too close. This
whole economy has taken a big step in the wrong direction. Anyone who thinks that it's not that bad must live in a shell
on a far away island. Restaurants are closing, food is becoming more expensive and gas... don't get me started!
I actually sold my car and got one with better gas milage. Not only is my monthly payment 1/3 less but I can use regular
gas instead of premium too. I love it!
Walking through the grocery store was a reminder of how great coupons are.
It is definately hard to find the time to use coupons when you are working, being a parent and just living life, but they
are too great to pass up. There's nothing like the feeling of getting something for a huge discount, or free, especially
when it's food. I remember when I started using coupons, I'd have family over and they thought I was the biggest money
waster because I always had all of the newly released convenience foods and normally multiples of them... finally someone
actually asked me about it and I explained that the best coupons were for new products and that I used them at a store that
doubles the coupon and it was all free!
Even when I don't have the time to use coupons as I should I still
shop the loss leaders, spagetti sauce for $1, pasta for .33, yes, I'm there loading up!
Hope you all are hanging
in there. I think we're in for a ride with the real estate market, gas and food for a while... and yes the stock market
too! Remember to call up you creditors and ask for a lower interest rate and also remember that nothing last forever!
5:09 pm 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
|
