Budgeting is tough. I know that, because I too once lived without a budget and found myself in trouble as a result. The fact is though that once I implemented and started living by a budget I soon discovered the freedom it breeds. The next step after starting a budget was discovering the envelope … [Read more...] about Why I Love the Envelope Budget System
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Why I Don’t Invest in Penny Stocks
We’ve all seen the ads that promise returns of 100-1000% or claim that buying penny stocks will make you rich. My principle regarding investing ads is simple - if it sounds too good to be true, it is. While no one expects to lose money on an investment, we all need to be realistic. Unfortunately … [Read more...] about Why I Don’t Invest in Penny Stocks
My Dance With Credit Card Debt (And How I Got Out of it)
What comes to mind when you think of your college years? Many might say going to football games, making lifelong friends, or being away from home for the first time. I got to experience most if not all of that in my college years, but one of the most memorable was graduating with over $20,000 in … [Read more...] about My Dance With Credit Card Debt (And How I Got Out of it)
Yes, I Know…Another Personal Finance Blog
A quick scan of the internet gives one the impression that personal finance blogs are a dime a dozen. It’s hard to do a Google search on personal finance blogs and not come away thinking that the market is saturated. So, why do I find myself throwing my hat into the blogging ring when there are … [Read more...] about Yes, I Know…Another Personal Finance Blog
9 Frugal Ways to Lower Your Grocery Bill
If you’ve been to the grocery store lately you know that prices are going up. Thanks to this year’s record breaking drought and subsequent rise in corn prices this increase will only get worse. What makes the drought particularly hard is that corn directly or indirectly is a part of so many of the … [Read more...] about 9 Frugal Ways to Lower Your Grocery Bill
The How-to’s of Budgeting
When I mention the idea of living within a budget, I often get strange looks. I hear things like, “Why would I want to do that?” or “Budgeting requires too much work” or “Budgeting takes too much time.” These common myths are usually believed by people who don’t know how to budget. Ignorance about … [Read more...] about The How-to’s of Budgeting
5 Reasons Why I Love Budgeting
I can still remember the feeling like it was yesterday. I had just finished meeting with a credit counselor who was going to help me climb my way out of the $20,000 credit card debt hole I had created and she used the dreaded word...budget. What was she talking about? What was this thing called … [Read more...] about 5 Reasons Why I Love Budgeting
