Finding financial freedom will not happen over night. It will take some working on to get where one wants to be. However, if you take small baby steps to achieve your goals, you will have no problem finding where you want to be. On Dave Ramsey's website, he has three great worksheets to use. Quickie Budget Monthly Cash Flow Planning Irregular Income Budget Even if you make small goals, and keep great records in time you will see a light at the end of the tunnel. Getting out of debt, is no different then other things in our lives, they all take time. I am sure you didn't get in debt over night, and I am for certain, you will not get out of debt over night. I do know that it's possible to get our of debt, and just like everything else, whether or not you stay out of debt depends on your spending. I have a rule I go by in my home, if I don't have the money for it, then I don't need it. My family doesn't own a single "credit" card. At times, I do wish we had one, … [Read more...]
7 baby steps to financial freedom
Finding that financial freedom is not easy, but then again what is. If you are looking to not only get out of debt, put also find the means to help others who maybe struggling, then I challenge you to follow the steps below. Now you don't have to save $1000 dollars, but each week take $5 from your earnings and set a side. Save $1,000 in an emergency fund Pay off all debt using the Debt Snowball Save 3-6 months worth of expenses for a larger emergency fund Invest 15% of your income into Roth IRA's and pre-tax retirement Start a college fund for children Pay off home early Build wealth and give I know easy said then done, some don;t understand when you are already struggling that $5 can go a long way, here it will give you almost 2 gallons or gas, it will purchase milk, and cereal, it will pay part of a bill. So trust me I know, the feeling. However just try, if you don't think that will be possible go even lower, put a dollar a side, then on weeks you can afford more … [Read more...]
Relationships: arguments about money
Most arguments in a relationship stem around money. With the economy being in shambles, money has many stressed to all ends. Not knowing if you will have money for the house note, or the car payment. The rising cost of food, and gas, is making living some what of normal life a bit impossible. All the stress is causing couples to fight, when they normally wouldn't. Trust me been there, done that. I often think all marriages, would be perfect if money wasn't an issue. I mean think about it, if we had not only the money to pay our bills, but also the money to enjoy our lives with one another, what else would there be to fuss about. Unless, one truly didn't love the other. I know a lot more issues make a relationship, but I know one of the number one issues to ruin a relationship is MONEY. Money, can often be the cause of lost friendships as well. Below are a few helpful resources I have found that may help remove some of the stress. 1. Kiplinger - Kiplinger has a budgeting … [Read more...]
It’s funny how much time we spend considering new purchases
When it comes to making big purchases, I tend to take awhile to think about it, before I go right out and make that purchase. After I make the purchase I start to wonder if I did the right thing. My last big purchase was my car. Yes, I needed the car but the payments have been a killer. This is one purchase my stomach has been in knots in for awhile. I will be thankful when it is paid, and I no longer have to worry about the payment. I do know a lot of the reasons why I feel this way, is due to my anxiety. I would do anything not to have the mental issues I do have. I often wonder if people really do understand the things running through my head. Even with small purchases I am the same way. I remember going to Wal-mart, I had a few hundred dollars on me everything was paid for, it was income tax time, and I wanted a sewing machine. My husband was all for me getting that sewing machine, however, I didn't want to spend the $100 for it, because I felt as though I needed to use that … [Read more...]
Work-At-Home Wednesday: oDesk
Did you lose your job due to the economy? Did you know there are so many other ways to make money? Some include working online. I have found a great place to make a nice amount of money. The amount you make all depends on what type of things you are good at, as well as how much time you're willing to work. Keep in mind places such as oDesk are 1099, and the ones on there looking for help, are also looking to pay as little as possible. However, don't let that discourage you, if you have what it takes, and you have many great skills, and you can multi-task, you can easily make a living from this site. I do know for certain that oDesk is a legit work from home site. Also, if you make a certain amount and live in the US you do have to claim what you make. If you are interested in working on oDesk, I personally suggest you take some of the tests, so those looking for workers can see you do qualify for what they're looking for, also if you do write articles, the pay isn't the best, but … [Read more...]
Work-At-Home Wednesday
As a stay-at-home mom, I have always been searching for ways to make money online. That is how I met one of my best friends is via a work at home job. I will try to bring you legit work at home opportunities as I find them. If you want to find these work at home jobs on your own, let Google be your friend. Remember to NEVER pay for information about a work at home job, and do not fall for those scams. If you are unsure about a company, move on to the next. Usually if your gut tells you its no good, chances are it is no good, and if it sounds too good to be true, then it probably is. Remember when searching for work at home jobs, you will not get rich quick, most work at home jobs can be demanding, and if you are doing a phone job you must have a quite environment to work in. This means no kids in the background, or other distractions. If you prefer to skip the search on Google you can check out a few message boards such as the one over on WAHM.com. Work at home moms, is one … [Read more...]
