Creating a budget can seem very intimidating, and some people simply decide not to have one at all. But among those who take the time to set up a budget on paper, many don’t stick with it. Why? Because they set themselves up for failure from the very beginning. If you’re ready to construct a [...]
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These days, it’s all online – even personal finance programs, which once were the exclusive province of Quicken and Microsoft Money have now been supplanted by online person finance program. But which one is the right choice for your personal needs? To answer that question, we looked at five of the most popular online personal [...]
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Black Friday – a time synonymous with the thrill of bargain hunting and capturing big deals. You shot down those savings like an expert marksman, but now your budget has been critically wounded. Can this budget be saved? The answer is yes, but only if you administer first aid immediately. Here are some ideas to [...]
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Creating a family budget for a large household is no joke. It takes a great amount of organization, self-control and attention to detail to make sure that your entire family has all their school items, sports equipment, and healthy food while sticking to a budget. Controlling your family’s collective and individual expenses can be exhausting. [...]
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Losing your job can be an extremely traumatic experience, often a feeling of dread creeps over you as you ask yourself “where am I going to get money from to survive?” Unemployment rates are currently extremely high due to the economic crisis and many hardworking citizens are finding themselves being made redundant. If you’ve recently [...]
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In the next year or so we will probably start shopping for a house. But before we do, we need to figure out how much we can afford and, more importantly, how much we should spend. Yes, how much you can afford and how much you should spend are two different things. How much you [...]
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I’ve always loved to travel and I can’t wait to share the experience with my son. But travel can be expensive! And when I’m on vacation the last thing I want to do is fret about money. I want to fully enjoy the experience knowing that I’ve already planned, budgeted and saved ahead of time [...]
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A recent study showed that over two-third’s of American’s are tired of pinching pennies…are you one of them? I am! We’re saving more, couponing, spending cautiously and as a result we’re suffering from Frugal Fatigue. What is Frugal Fatigue? Simply put Frugal Fatigue is the phenomenon that can occur when you’ve been diligently pinching pennies [...]
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I know many of you have resolved to create and live by a budget this year. That’s a great resolution and a pivotal step in taking control of your finances and achieving your financial goals. To help you out I’ve posted the budget spreadsheet that I use. It’s a simple zero-based budgeting worksheet that you [...]
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This post is second in a series that outlines baby steps to getting your financial house in order. In the first post we covered Know What You Spend. Today’s post is probably the most important. If your goals are the destination (such as early retirement, a new car, that dream vacation), consider your budget to [...]
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Hi, I’m Cathy! I’m a former career-driven professional turned stay-at-home mom. Living on one salary has its challenges, but it is possible to live the good life while spending less. Cool to be Frugal is all about how we’re thriving, not just surviving, on a single income.
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