I love to brain storm ideas, so I really like this step. The next part of implementing these ideas is the difficult part. I find that putting a priority to each of the ideas will help with an implementation plan. Implementation Plan After you brain storm ideas on how to save money for each category […]
Brain storm savings ideas – 5 ways I cut down on expenses. Read More »
Goal Setting This step is all about creating your spending goals, or how much of your savings/earnings you want to spend each month. This goal can also include how much of your earnings you want to save a month as well. These goals are important for creating a budget since it sets the bar for
Compare Monthly income (or savings) to spending – eye opening Read More »
This is the step in which we start creating a budget, first step is to create a picture of your current spending. This gives you a realistic starting point, it is important to be honest about this based on actual numbers. Start Budget Spreadsheet It’s time to geek out on spreadsheets if you haven’t already
Create current spending sheet Read More »
When you find yourself in a tight space financially it can take a toll on your health, physically, mentally, and spiritually. It is important to take time out of each day to support yourself during this time. Exercise Take time each day to exercise. This does not mean a gym membership, unless the health insurance
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Coupons and Sales To spend less you first need to buy less, before you purchase anything ask do I really need this? Now that you have the application process started it is time to look at some of your day-to-day spending and see where you can stretch your dollar. First before you go shopping look
5 ways to stretch your dollar Read More »
I have this section on applying for programs as the first step since it can take time for the application process and sometimes your first application might be denied. Do not let that deter you instead find a community partner to help you figure everything out. A community partner is someone that has been OK’d
Top 5 assistance programs to apply to when low/no income Read More »
Low on cash and worried about having enough to pay the bills? Facing a long time without work or on a fixed income? Ideas on how to spend less using my own experiences. I hear you and understand I understand what it is like to be worried about how to pay the bills. I have
Low on cash and worried about paying bills? Read More »
