I would like to talk to you about getting started on a budget. Especially in these hard times with the economy not looking great and people losing their hours of work and losing jobs altogether. Now is a good time to sit down and work out your own finances.

Start by writing down all your debt amounts, loans, mortgages, rent and put the amount as you pay them, (more…)

The dollars we have freed up from the budgeting and review process need to be put in an account to start our cash reserve to cover all expenses for at least ninety days.

OK, we have done budgeting; reviewed car and home owners insurance; analyzed sources of income and payroll deductions; and how money is spent. When do we get to the fun part, saving money? (more…)

Save money by spending? Sure, that’s a principle that every purveyor of special offers wants us to believe in. At 20% off, you’ll save hundreds if you only buy enough of whatever. Yeah right!

But there is a way in which judicious spending can help you save money — lots of money. And it’s a technique that I’ve learned from successful dieters and fat loss plans. (more…)