Using money wisely and building wealth

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November – Zero Based Bud...

November – Zero Based Budget – (Irregular Income)

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 […]

September – Zero Based Bu...

September – Zero Based Budget – (Irregular Income)

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 […]

Get Rid of Stuff…Finding ...

Get Rid of Stuff…Finding Extra Money

You often hear Dave Ramsey talk about selling so much stuff on eBay and Craigslist that the children think they are next. Well, what exactly does that mean? I can tell you from personal experience that it means a lot of extra money. When we started the Dave Ramsey plan over 3 years ago, we […]

Invest Or Pay Off Debt

Invest Or Pay Off Debt

I know we all struggle with what to do with our excess money each month. YEAH RIGHT! But there is a question I would like to address. Should we pay off debt or invest? Some things to consider may be… Type of Debt There is a big difference between consumer debt (credit cards, vehicle, etc.) […]

Saving Money On Your Elec...

Saving Money On Your Electric Bill

I absolutely hate opening our electric bill each month. I know that electricity is a luxury that I shouldn’t complain about but GOSH, it ranges from $200-$400 each month. Sometimes there is no rhyme or reason for the fluctuation. It is one of those bills that I know I can’t get away from but I’m […]

March – Zero Based ...

March – Zero Based Budget – (Irregular Income)

This month’s income looks pretty low at $3,500. We are just coming out of the winter months when business is slow. However, I think it’s starting to pick up so next month should look better… With the Zero-Based budget, every dollar as a place to go with nothing left over. We are in charge, by […]

The effect of ObamaCare f...

The effect of ObamaCare from an economists view…

I could go on and on all day long on how the “Patient Protection and Affordability Act” is perhaps a far reaching government attack to control every aspect of our “free” lives. However, I will not (at least not today). I only want to expound on one point of ObamaCare. The point I want to […]

How will ObamaCare affect...

How will ObamaCare affect you…

Unless you have been living under a rock (or working so hard to feed your family that you haven’t listened to the news) you have most likely heard that the Supreme Court of the United States voted 5 to 4 in favor of the constitutionality of The Patient Protection and Affordable Care Act (aka ObamaCare). […]

Tracking your Net Worth

Tracking your Net Worth

Everyone wants to spend less and save more. But what is “less” and what is “more” in relation to your money. That is why tracking your net worth is so important. You need to see where you are so that you know where you are going? Step 1 Assets Gather all your information on anything […]

QE3 … not a droid on Star...

QE3 … not a droid on Star Wars

C3PO and R2D2 has nothing on QE3 If you have been listening to the news recently you have heard a lot of talk about QE3. So what is QE3 and why does it cause such a ruckus? Some technical background… QE stands for Quantitative Easing so QE3 stands for round #3 of QE, hence QE3. […]

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