Related Posts
  • Blog Post: Getting ahead for 2014: Starting my Budget Now

    What is the best way to prepare for the upcoming year? What I have found that works for me is to start my budget for the next year early. I am taking a look at my 2013 budget and seeing which months my budget worked out great, and which months I didn't meet my budget. What I have learned about budgeting...
  • Blog Post: The Grocery Bubble

    You may not recognize the term, but I bet you know exactly what I'm talking about. Let me explain to you what I mean. My family's budget for groceries and household items is $150. That includes people food, pet supplies, personal hygiene items, charcoal for my grill, laundry detergent and anything else...
  • Blog Post: Tools of the Trade

    I remember when I first started to really want to get on top of my money. Every day I wanted to DO something. A month seemed so long! I wanted to make more than just one payment a month to my credit card. Not that I had any extra money, I'd already sent all I had, but waiting a whole month to see the...
  • Blog Post: Avoid the Pitfalls of Automating Your Finances

    With technology moving ahead, and thanks to direct deposit and automatic debit, there is a lot of interest in automating your finances. Automation can be a great thing for your finances. It means that your money goes where it is supposed to – and you don’t have to remember to pay your bills...
  • Blog Post: Frugal Living and Budgeting Are Not the Same Thing

    Frugal living and budgeting are not the same thing. I want to separate those ideas in your mind. They are two different things. You can do them at the same time. Budgeting may lead to frugal living. But they are not the same. Period. I've met lots of people who are frugal but don't budget. They are usually...
  • Blog Post: Straight Talk on Debt: Your Own Worst Enemy

    Did you ever hear the phrase, "You are your own worst enemy." I subconsciously fall prey to this all the time. I beat myself up for things beyond my control, sabotage diets, and yes bust my budget all without realizing I am in control of my own destiny. When you are struggling with debt you truly can...
  • Blog Post: Give Your Savings a Job

    Chances are that you’ve heard that you should “give every dollar a job.” This is the case when it comes to your savings as well. Sometimes, it’s hard to get excited about saving up money when you don’t have a purpose for your money. As you arrange your finances, and plan...
  • Blog Post: Straight Talk on Debt: Want a Fresh Start in 2013? Evaluate Your Spending

    This week I wrote an article over at Enemy of Debt, "No More Frivolous Spending!" . I sparked some great conversations about a topic many of us overlook, evaluating our spending. How could you possibly know what's wrong with your finances if you don't look at the root of the problem? Lying about your...
  • Blog Post: Do You Know Where Your Money Is?

    One of the most important things you can do for your finances is understand how your money moves through your personal financial system. Essential to the process is understanding where your money is going. Track your expenses to get a better idea of where your money might be leaking out. Avoid Overdrafts...
  • Blog Post: Straight Talk On Debt: To Spend Or Save This Holiday Season

    The holidays would not be complete without spending extra money. Or would they? If you made the conscious effort to budget for the holidays, than December’s budget should look no different than any other month this year. Maybe you have been shopping all year for the perfect holiday gifts for your...
  • Blog Post: On the road to Recovery with Savings

    Last month you read how I fell off the wagon with my savings goals and had to come up with a new plan. I decided to start in a place that is very familiar to me, the CareOne website ! I decided to create a new way of tracking my personal unsecured debt by using the Debt Payment Pro resource powered by...
  • Blog Post: What Went Into Creating my Debt Free Budget

    As time was drawing near for the last payment to be made on my debt management plan , I started working on a monthly budget. When I first started, I was LOST! I was so used to working my budget to pay off debt, and I didn't know how to begin. At first I left everything the same, except I designated a...
  • Blog Post: Running the Race to Success

    Are you just getting started? Maybe you are halfway there. Better yet, perhaps you can see the finish line and you are closing in quickly. Looking back at my time spent enrolled in the CareOne Debt Management Plan (DMP) reminds me of running a long-distance race. This was no sprint or mad dash. It was...
  • Blog Post: Life After Debt: How Budgets and Planning Become Lasting Habits

    When I joined the CareOne Debt Management Plan , I dreamed about having the freedom to spend my money as I wished. The longer I was on the plan the more I learned about budgeting, planning, and preparing for my future. My mindset changed during those 34 months of paying off debt. I learned many skills...
  • Blog Post: Share the Wealth: September's Contest Begins Enter Today!

    What do you do to make life on a budget more enjoyable, easier, and just plain better? How do you manage fun and your money at the same time? Enter our monthly Share the Wealth contest, and tell us your solution to some of life's challenges. Each month, we'll post a new question and look for your innovative...
  • Blog Post: Capitalizing on our Spending POWER

    We are all spending money in one way or another, but spending savvy, well that is a gift. I have always fancied myself as a savvy shopper in the grocery store. With my coupons and sale papers, shopping for a family of five on a budget became an art, to say the least. However, I found in other ways, I...
  • Blog Post: The Number One Way to Be a Savvy Spender

    Learning to be a savvy spender takes time and skill. Like most young women, I learned a lot tips from my mother. But I also learned a few skills from being resourceful and educating myself through trial and error. Buying quality items versus only purchasing what's cheap is something I firmly believe...
  • Blog Post: Straight Talk on Debt: Olympic Lessons

    The Summer Olympics are in full swing and entertaining the world or at least those in my TV viewing area, twenty-four hours a day with coverage of the events. I always enjoyed watching the Olympics as a child watching in earnest as the Olympians displayed their hard work and talent for the world. This...
  • Blog Post: Is Your Budget a Tool for Financial Self-Improvement?

    When creating a budget, it's easy to get caught up in the mechanics of tracking every penny. However, creating a budget isn't just about categorizing your spending and making sure you don't go over the limit. There is a planning aspect as well. Your budget shouldn't just be an embodiment of your current...
  • Blog Post: Straight Talk On Debt: "Food" For Thought

    If you have been to the grocery store lately you know that the cost of everything continues to rise and taking unhealthy short cuts can be tempting. Since we need food to survive and good for you foods to keep us healthy, groceries are certainly not a line item we can cut from our budget or skimp on...
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