What Household Budget Percentage Breakdown Is Typical?
The typical American household budget percentage breakdown looks like the list below. For most of the categories a range is shown. A range makes more sense to help you see where your personal budget fits (or doesn't fit.) If your budget doesn't...
Make Your Dreams Come True
What are your dreams? Knowing the answer to this question is necessary before you can hope to live them. Without consciously following your dreams, you will follow your momentary wants. This is the key difference between people who pretend to...
Debt Card Elimination 101
So you want to eliminate your debt, starting with those pesky debt cards? Here's a step by step plan for becoming debt free quickly and legally...
Create A Personal Budget In Less Than 4 Steps
Creating a personal budget is probably the single most important thing you can do to move yourself towards financial security. If you break down the steps to creating a personal budget, it's not complicated...
The Love of Money is the Root of All Kinds of Evil
The Apostle Paul said "the love of money is the root of all kinds of evil." He did not say "money is the root of all evil," even though many people mistakenly shorten it (and by so doing change the meaning.) There is a world of...
How Can I Manage My Debt?
How can I manage my debt? you may ask. Many people have succumbed to the overwhelming marketing efforts of money lenders to the point where they think that being in debt is just a normal, expected state of being. It's not...
Debt Free: A Better Way of Living
Becoming debt free is one of the best things you can do to improve your life. Like most good things, achieving a debt free lifestyle isn't easy, but is well worth the effort. Becoming debt free will bring greater peace to your life, will increase your prosperity and will grow your personal freedom...
Credit Card Debt – Flush It Already!
Credit card debt is a pile of crap. It stinks. It’s not pretty to look at. Go ahead and flush it already. You know you want to. You’re tired of seeing the stupid commercials about how people’s lives are suddenly changed for the better...
Cash Flow: For Your Budget to Stick, You Must Have This Covered!
Cash flow isn’t just a concept important to businesses. To properly manage your personal finances you should understand the basics of cash flow and its importance in supporting your budget. Simply put, cash flow is the flow of cash in and out of...
Budgeting Tip #1: Persistence Pays Off
When implementing a new budgeting plan, one of the most important virtues to have is persistence. Persistence covers a multitude of sins: start and stops, numbers that aren’t quite right, forgotten expenses…all of these are eventually covered if ...
Doing a Personal Budget the Right Way
If you want to know how to do a personal budget the right way, first you need to understand what the wrong way is. The wrong way to do a personal budget is to not do one at all. Just doing your budget in any way that makes sense to you will put ...
Feeling Good About Money
Most people have hang-ups when it comes to money. The mere thought of a bill creates a sense of dread in them. They spend too much; credit cards are their crack. Trying to control their finances seems like a futile, lost battle. When the money...
Persistence Makes Your Budget Work
Your budget does not have to be perfect to be effective. You don’t have to follow it religiously for it to benefit you. You just need to do what you can on your budget, when you can and be persistent about it...
How Much Money Do You Want?
It’s a common daydream to wonder what it would be like to win the lottery or to receive a large, unexpected inheritance. With a big wad of cash, it seems, anything is possible. This doesn’t have to be just a daydream – you can make it happen for...
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