Reverse Budgeting

Everybody agrees that budgeting yields BIG results.  But that’s only IF you can stay on your budget. I’ll admit that I’m a bit of a spender.  And I do have a budget but I’m very creative at finding ways around it.  Yes, I know.  That defeats the purpose.  But the truth is, even when I fudge a little, I still do better than if I didn’t have one at all. But that’s not the point of this post.  … [Read more...]

Plan Ahead with a Budget Allocation Worksheet

I’m on a budget.  I don’t have an unlimited amount of money to spend each week so I’ve learned that if I don’t plan ahead, my money gets spent where it shouldn’t and I can’t pay for things I should. In an effort to plan ahead and set aside money for things I need, I came up with this Budget Allocation Worksheet.  I don’t like it because it keeps me from spending mindlessly (which is how I like … [Read more...]

13 Tips for Staying on Budget

My personal budget is set up so I have a certain amount of money set aside for bills and the rest is for what I call “household spending”.  Household spending includes groceries, gasoline, makeup, eating out, entertainment, doctor visits, etc.  I don’t have any trouble sticking to the bills budget but the household budget is another matter entirely.  If you struggle with sticking to your household … [Read more...]

10 Ways to Save $ at the Grocery Store Without Using Coupons

Groceries are expensive and getting more expensive all the time!  These days there are lots and lots of articles about ways to save money on groceries using coupons.  In fact, there are entire websites devoted to updating you on sales and providing coupons for you to use. But what if coupons aren’t your style?  If you still want to save money, here are ten ways you can: Shop the sales.  … [Read more...]

Budgeting Made Simple

We’ve all read the articles and books about how important a budget or spending plan is.  And those articles and books are absolutely right.  A budget or spending plan is extremely important – especially at this time of year when there are a lot of extra expenses due to holiday travel, big meals, and gift gifting. So do you have a budget?  Preparing a good, workable budget is hard and sometimes it … [Read more...]