Finances

Where do I start?

You have already started.  Right now, by being here, you are becoming more aware and acknowledging that you need to change something in your finances.  Now, go get your significant other if you have one, and sit down for a few minutes together.  I need you to do a few things.

1. Write down Financial Goals

Goals?  For my finances?  What would those be?  Write down any goal related to money you can think about.  The more the better, it means you are getting involved and serous about this soon to be change in your finances.

2. Pick one goal

Pick one goal to focus on.  Not 2 or 3!  The reason behind this is simple: if you have one goal, it’s easy to accomplish.  You feel good for accomplishing  it.  This will then hopefully start a snow ball… you’ll get excited about finishing it, pick another one, and keep that ball rolling.

3. Start noticing

Take a week, or a month, and start noticing what you are doing with your money.  

4. Write down your spending

There are so many ways to do this.  Find an app that fits with your style and works best for you!  Our favorite is Quicken, bought from amazon (affilate link).  Either way, this is something you NEED to do! 

5. Budget

Yes… there are 4 whole steps before we finally make it to budgeting.  Now that you have noticed what you spend your money on… and you have written down for a month what you have spend your money on… it’s time to look at the data and create a budget.

6. Manage budget and make changes

Last by not least… managing your budget, and making changes.  Each month, go over what you made and what you spent.  Now, compare.  How did you do?  Did you keep within your set budget?  Go WAY over in some areas?  It’s OK.  Budget is a process, that will change frequently as your life style changes.  

Find some Current Blog Posts on the topic below.

Create a Budget

Money Managment

Opps.. I went over!

Why my Budget is Failing

Budgets are great... if they work.  There are many reasons why your budget may be failing.  Below is a list of 12 reasons to look at when asking yourself "why my budget is failing" and some solutions to help you out. I'm gonna let you in on a secret... it took us...

How to Live on One Income

How do you live on one income?  It's different for everyone.  We have lived on mostly (90%) of one income for going on 5 years. It's difficult, and takes time and commitment, but is worth every bit! I promise!  Here are the top bloggers who have learned to live on one...

How do I Start a Budget- 5 Options to Choose From

Building, creating and starting a budget is a big step to make.  You want to be sure you have set up your budget the right way, according to your personality, to ensure the budget works the BEST for you.  So, before your start a budget, ask yourself this: Am I a Saver...

Why my Budget is Failing

Budgets are great... if they work.  There are many reasons why your budget may be failing.  Below is a list of 12 reasons to look at when asking yourself "why my budget is failing" and some solutions to help you out. I'm gonna let you in on a secret... it took us...

How to Live on One Income

How do you live on one income?  It's different for everyone.  We have lived on mostly (90%) of one income for going on 5 years. It's difficult, and takes time and commitment, but is worth every bit! I promise!  Here are the top bloggers who have learned to live on one...

How to Stick to a Budget- 48 Tips

Great you've got a budget... but now what? Sticking to a budget can be difficult.  There are good months and bad months.  But don't let that get you down.  Here are 48 ways to help you stick to a budget. 48 ways to Stick to a Budget Download FREE Budgeting Worksheets...

Why my Budget is Failing

Budgets are great... if they work.  There are many reasons why your budget may be failing.  Below is a list of 12 reasons to look at when asking yourself "why my budget is failing" and some solutions to help you out. I'm gonna let you in on a secret... it took us...

How to Stick to a Budget- 48 Tips

Great you've got a budget... but now what? Sticking to a budget can be difficult.  There are good months and bad months.  But don't let that get you down.  Here are 48 ways to help you stick to a budget. 48 ways to Stick to a Budget Download FREE Budgeting Worksheets...

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