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financial sanity 101

Financial Sanity 101: The Debt Snowball

[singlepic=5,560,560,,center] Now that you have your zero-based budget worked out, you’ve implemented the envelope system for your monthly cash expenditures, your four walls are covered, and you’ve saved up your baby emergency fund, you’re ready to get serious about paying down debt. The way we are going to do this is by using the extra […]

Financial Sanity 101: The Baby Emergency Fund

[singlepic=4,650,650,,center] OK, so you’ve got your Zero-based budget worked out, filled up all of your budget envelopes for the month, and made sure that the four walls are covered, it’s time to start getting your beginner emergency fund in place. I know what you’re thinking–I cannot save for an emergency fund! I’m broke! I have […]

Here is a Method That is Helping Newly Frugal Converts Get Out Of Debt: The Envelope Budgeting System

[singlepic=2,560,560,,center] As I discussed in my first post for this section of the site, I recommend making as many purchases as you can each month in cash. That’s right–real paper money, not the abstract concept of cash that makes you think you are using cash when you use a debit card. I don’t have a […]

Budgeting for the Self-Employed

[singlepic=1,650,650,,center] I recently discussed how to create your own Zero-Based Budget. To review, the Zero-Based Budget is a budget in which your income minus your expenses equals zero. In other words, every dollar has a place to go. When you talk about budgets, there’s always somebody in the crowd who says, “But . . .” […]

Financial Sanity 101: The Four Walls

[singlepic=49,650,650,,center]Photo by Fido Dido Maybe you’ve been working on your zero-based budget, and really giving this whole financial sanity thing the college try, but keep coming up short. There’s just not enough to go around! You’ve added up your expenses, and checked your income, and instead of being left with zero, you’ve got a negative […]