Work was good last month. I managed to bring in an additional $800 myself not to mention the weather has been good and hubby has been working hard. This month, we project a total of $5,100. Don’t be fooled…we will be saving for the winter with these extra funds. Winter is always “cold” as far […]
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September – Zero Based Bu...
The last few months have been pretty good. However I am feeling the need to “store up for the winter”. With our irregular income in the construction industry winter usually hits us pretty hard. We will be saving for the winter for when funds are low. This month, we project a total of $4,300 Here […]
June – Zero Based Budget ...
We are finally seeing a real income increase this month. We have a total of $4,600 to work with this month. Oh YEAH! So happy to be in charge on our money! Now lets tell every dollar where to go… General Account: Utilities (electric, tv, telephone) $350 Health Insurance $499 Other Insurance $120 House Payment […]
Debit vs. Credit
It’s a battle of the cards. Debit vs. Credit. Which one is right for you? Let’s find out the differences between the two and their advantages. What’s the Difference? A debit card is directly tied to a checking account. Each debit card transaction debits funds from that checking account immediately. You must have the money […]
May – Zero Based Budget –...
Things are finally starting to look up a little. Spring has definitely sprung here and construction has picked up which means the hubby is extra busy. We have $4,200 to work with this month. The biggest change this month is that we are adding $100 to our house principle payment. We really want to pay […]
Put The Brakes On Extende...
OMG! I recently read that according to the credit-tracking company Experian, the average vehicle loan is now 65 months. Some people are even opting for an EIGHT year loan. Can I get an OMG!? That is absurd. Are these people planning on living in these vehicles? Why do we think that car loans are acceptable, […]