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There is no one giant step that does it. It’s a lot of little steps. ~ Peter A. Cohen Update: 6 Remedies for a Debt Hangover is mentioned in today’s Money Hacks Carnival #100 @ The Ultimate Money Blog. Thanks Mrs. Money! Over the past 2 years, I have had to rework our budget a half a dozen times or so, in addition to running various budget scenarios for [...] Continue reading How to Make a Budget: My 2 Cents The first step towards getting somewhere is to decide that you are not going to stay where you are. ~ John Pierpont Morgan (Yep, it’s that J.P. Morgan) Update: This post is included in the Money Hacks Carnival #102 at Passive Income Now. It’s also in the carnival Personal Finance: Third Edition. Thanks! A lot of people hate the idea of budgeting. They say it’s too constraining. They [...] Continue reading How to Make a Budget: Your One-Stop Shop If you don’t know where you are going, you will probably end up somewhere else. ~ Lawrence J. Peter Budget. Just uttering the word can make people cringe, squirm, and head for the hills. Even noted personal finance expert David Bachclaims that budgets don’t work. Rather, he says that we should “toss out the budget and make it automatic” using his (I think originally David Chilton’s) pay yourself first [...] Continue reading Do You Need a Budget? Cheers to a New Year and another chance for us to get it right. ~ Oprah Winfrey OK, so you overindulged. You read all of those articles warning about moderation or complete avoidance. You intended to follow that prudent advice. But you didn’t. I could easily be talking about alcohol consumption or debt consumption. Either way, over-consumption will put you in a precarious position. If you’re not in [...] Continue reading 6 Remedies For a Debt Hangover |
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