Tag Archives: budget

Emergency Savings.. Where’s yours??

Okay, we have a shocking statistic that nearly 50% of American have little to no emergency fund.  What’s up with that?  Everyone, and I mean EVERYONE needs an 8 month emergency fund.  No question about it.  This is to hold

Why not follow always the talking heads or “professional” authors advice??

I was reading an article the this morning, A financial planner recommends 7 ways to make your money easier to manage, on Business Insider.  Sometimes, they have some good advice or at least, some good entertaining articles.  I’ll breakdown my

How to control and optimize your budget

Ideas on how to optimize your budget

Irrational exuberance – personal edition

I find myself seeing a flashback of good times in wall street and some in main street.  Market is continuing to hit new highs, and people are seeing a small increase in their wages (approx. 2%).  The Obama administration is

The cash envelope method. What is it?

The cash envelope method.  What is it? The cash method is a great way in setting up a budget and getting out of debt.  It’s also a great way in continuing to stay on a budget to ensure your expenses

Best ways to manage discretionary debt/spending.

What are some tips on how to handle discretionary debt and spending habits? Well.  There is a bit more to it than stop spending and living in a budget.  What are the reasons as to why you or your significant