Posts filed under ‘Budgeting’

5 common mistakes new parents make

Let’s face it: Children aren’t the only ones who need to be taught proper money habits. Sure, their money plan may be simpler (saving to buy that Barbie or Tonka truck, or buying that Barbie or Tonka truck), but the basic principles of living on less than you make and saving for purchases with cash is something that adults struggle with. And you can’t afford to do that when kids come into the picture.

Here are 5 common mistakes that new parents make, and tips for avoiding them: (more…)

August 26, 2008 at 12:02 pm 4 comments

I busted our budget

Where I work, they provide a deli for employees to use during lunch hours. Prior to June, the deli was run through a partnership with a local high school that would give students some work experience. Because of that setup, the deli wasn’t always the most pleasant place, but it was convenient. There were days that weren’t so convenient however. Like, short days, snow days, and school holidays. On those days the deli was closed. (more…)

July 2, 2008 at 9:05 am 2 comments

Budget Sticky #2: Birthdays and gifts

One of the most common overlooked items in budgeting is birthdays and gifts. In most households, these things don’t come up until a week or so prior to the actual birthday or event. So, how do you prevent these foreseeable events from busting your budget? (more…)

March 10, 2008 at 11:25 am 1 comment

Do we really use envelopes?

This question was posed on the LLNOE forums by KEDkrafty. The simple answer, yes. From my experience teaching Financial Peace University over the last two and half years, folks are a bit reluctant using the envelope system for one reason or another. Many have issues carrying cash for the fear of being mugged. I’ve even come across folks who just plain don’t like cash because it’s dirty. To many, it’s more convenient to use plastic, either debit/check card or credit card. Whatever the reason may be, there’s always some apprehension toward envelopes. (more…)

March 4, 2008 at 10:19 am 1 comment

Budget Sticky #1: Budget Billing

March marks the enrollment period for budget billing for our local utility company. The budget billing program allows households to pay a monthly average of their annual utility costs each month. One of the trickiest categories in most peoples’ budgets is utilities because they can vary month after month. However, budget billing gives you a monthly estimate that can easily be accounted for in the budget making it much easier and convenient to manage your monthly expenses. If you haven’t signed up for budget billing with your utility company and they offer it, it’s highly recommended for those of you who are looking for ways to make monthly budgeting much easier. (more…)

February 29, 2008 at 11:00 am Leave a comment

Car repair update: prognosis not good

In a previous post, I mentioned that we were taking our car in for repair. It’s had an oil leak for quite a while, and it’s just getting worse. We dropped it off last night so the mechanic could have all day today to work on it. But, late this morning, we got a call that we weren’t expecting. (more…)

January 30, 2008 at 3:59 pm Leave a comment

Another car repair, another dollar

We’ve had to replace the brakes on our car in the last few months, and now, we’re about to spend a bit more to fix an oil leak that’s been getting worse as the days go by. We’ve been told that it could be either a gasket, which would run about $60-$70, or the oil intake, which is substantially more. (more…)

January 28, 2008 at 2:27 pm 3 comments

We’ve made a decision to stop our debt snowball — temporarily

To be honest, it wasn’t a hard decision to make. Currently, we have about $30,000 left in two student loans. We’ve been attacking mine aggressively, since mine is the smallest with $9,000 remaining. In fact, we planned on having it paid off by August. But, things have changed. (more…)

January 18, 2008 at 1:12 pm 3 comments

It feels good to not have to use the emergency fund

As I left work the other day, I noticed the brakes were a little off. Off, as in I had to push the brake nearly to the floor board to get the car to stop. My first thought was that something needs to be fixed, but as soon as I say anything to my husband about things like this, he usually dismisses it as me overreacting. (more…)

January 11, 2008 at 12:11 pm Leave a comment

Why do we wait for the holidays or the end of the tax year to give?

You’ve seen them around as you shop for gifts this holiday season, the jolly bell ringers with their little red kettle. Most of the people I see either look away in shame or dig into their pockets for some change. As they drop the coins into the kettles they look up with a smile feeling like they’ve done something great. Of course, they have done something great. But, there’s another side to this story. (more…)

December 13, 2007 at 4:06 pm Leave a comment

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