Money Management
The A-B-C’s of Budgeting
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One of the keys to taking control of your personal finances is to set up an effective budget. An effective budget helps you to set goals, control your spending, and monitor your progress. Sometimes, though, setting up a budget can [...]
Where to Put Your Emergency Fund
In an economy as uncertain as the one right now, a person can lose his or her job without any warning. Additionally, nobody can predict when an emergency such as a car accident, medical problem, or major home repair will occur. For this reason, it is important to have an emergency fund. [...]
A Free, Easy, and Useful Excel Monthly Budget Spreadsheet for You!
Setting up a budget is one of the most important parts of managing your finances. A budget allows you to see how much you make each month, where you spend money each month, and how much you have left over each month. A budget can help you to set limits on your spending. The hard [...]
Tracking Your Finances On the Computer
Have you been wanting to take more control of your spending? Well, there is no better way than by using a computer-based program. Computer-based programs allow you to see exactly where you are spending your money and help you to understand where you stand financially. There are many software packages that can [...]
Dave Ramsey’s Cash Envelope System: What It Is, Why to Use It, and How to Modify It
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Need help setting up and enforcing your budget? A great way to get started is to use Dave Ramsey’s cash envelope system. The envelope system designates an envelope for each category of your budget, such as food, gas, clothing, entertainment, etc. On the outside of the envelope, you write down a limit [...]
