When my wife and I really started tracking our expenses, we found that by far restaurant dining made up the largest sum of our weekly spending. Now that we have a better command of our spending, eating out is much less common; but, when we do eat out, we set a budget for each meal.
These tips may seem a bit corny and cliché, but they have really helped me to have a healthier financial life.
Today couples face the reality of foreclosure, short sales and houses that sit for a year or more. What do they do? Lose their shirt and sell well under value, if at all? Or, continue to live with their soon to be ex spouse, potentially with children in tow until things look up? Tough call and a decision I was glad not to have to make.
I'm a writer, so I prize eloquence. The right word in the right situation can make the difference between understanding or confusion, admiration or disgust, romance or heartbreak.
Beware of the sock monster. It lives in clothes dryers, under dressers, and behind furniture. And it's a vindictive monster, because it likes to bereave you of just one sock; it has no desire for pairs.
Retiring? As a mom there are many things I do that I really never realized went with the job description. While I would not change it for the world, it is hard to imagine retiring one day! But retirement is something everyone needs to plan for, moms included. This blog will explore some retirement options.
This month's question reflects on changing your debit date and how it affects your DMP
When it comes to getting a divorce many of us have regrets not necessarily about the divorce but, the financial decisions we make in anger or haste to just get it all over with.
If you're one of the many Americans who have been affected by the economic downturn, you know that living on a drastically lowered budget is never easy. It is a difficult adjustment, but living by the five tips below, you will be able to make your money go farther.
Okay, so you've finished cleaning out your closet and organizing all of your clothes. Now that you know exactly what items you have and what items you need, the fun can really begin. Take your list of "wardrobe holes", and your budget, and compare them so that you have an idea just how much money you have to spend on each item.
Many people are hesitant about buying fresh herbs, as they often use them for just one dish and have over half a bunch remaining that will sit there until they have to be tossed out. I make sure that I plan ahead and only buy a bunch of herbs if I know that I will use in multiple recipes. That way I can plan out my weekly shopping more efficiently and still infuse my dishes with fresh herbs.
My advice: WALK MORE. Walking can be the easiest exercise you do, fitting so seamlessly with the rest of your day that it doesn't even look like exercise. Or you can make it into a tough workout. Do it your way, but do it!
You have now started your second month on the DMP. During the second month there are generally two groups of customers; those who made their first payment in the first month (A) and those who postponed their first payment to the second month (B). There are an additional small number of people who may call and change their payment to the third month and unfortunately usually do not fare well on their Plan. It is about the creditors receiving a payment, not just being “enrolled” in a program.
I walked away from our discussion feeling really good about this new budget process. For years, while I was hiding our debt problem from my wife, I had to do all the financial work myself. When we joined the debt management plan, we improved our communication with respect to individual expenditures, but in order to be completely successful in our financial makeover, we have both realized that our financial life has to be a complete team effort.
Right now, I'm single and don't have any kids, so am looking at vacations, stay-cations, and much more for my summer plans.
Many of us struggle financially as we navigate single parenthood. We often here tales of single moms and their financial struggles, but very little is told about single dads and the sacrifices they make as single parents. I asked three single dads to share their stories, outlook, and advice as they navigate single parenthood through the eyes of a single dad.
The main message of the blog is that even if you are in debt, you can afford anything. You just cannot afford everything. Obviously there are limits to this, as there's no way I can afford a $30 million dollar mansion, but I think you get the idea.
The "minimalist vacation" will help you see your home more objectively; clarifying what you need, and clearing out the rest.
College is all about possibilities -- the promise of rewarding career and a bright future. For some students, choosing a major or a career path is an easy task.
Enrolling in a Debt Management Plan is a huge step for many struggling with debt. Many are skeptical at first and frequently ask these three questions after enrollment.
When you first join the program it is easy to get confused; the proposal process, making one payment to all of your creditors and the overall management of your program can be overwhelming. One question we get quite frequently is, "How do I remove a creditor?"
Whether you're refilling your coffers after Christmas, out of work and need something to tide you over, are a stay-at-home parent who's looking for a work-from-home position, or have a fulltime job and want something you can do on nights and weekends, there are many opportunities available to you.
This month's question reflects on your CareOne payment.
I think, when done properly, coupon clipping is a very smart use of time and can save you significantly. So, I've listed below my tips for savvy couponing.