Using money wisely and building wealth

Posts in category WISE Budgeting

The Budget Month In Revie...

The Budget Month In Review (examining what works and what doesn’t)

It’s the end of the month. Did your money behave? How did your budget plan work out for you? Do you have any extra money? Did you run short? These are questions you need to ask yourself before next month…before your next budget. A budget is only good if it actually works. Did your budget […]

June – Zero Based Budget ...

June – Zero Based Budget – (Irregular Income)

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 […]

May – Zero Based Budget –...

May – Zero Based Budget – (Irregular Income)

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 […]

April – Zero Based Budget...

April – Zero Based Budget – (Irregular Income)

Well, I thought this month was going to be better than last. It looks like it will only be slightly better at $3,800. We still plan to tighten our belts this month. The kids are on Spring Break the first week of this month which means we will save a little on gas since I […]

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 […]

Christmas Past

Christmas Past

Today is the day that we traditionally take down all of our Christmas decorations and clean the house to make way for a fresh start to the new year. As we are removing every remnant of Christmas past, let’s take some time to review the gifts given and received. Did we buy too much? Did […]

Why we are pushing Pause ...

Why we are pushing Pause on our Debt Snowball

Even as I write this post I feel like I am sitting on a fence with the only two options I have is falling in a pack of hungry Cheetahs or falling into a herd of Elephants. Do I want to be chased to death or squashed to death? Hum? Here is a little bit […]

Saving on your Food Budge...

Saving on your Food Budget

Your food budget is one of the easiest places to save some money from your overall monthly expenses. Here are some tips to save the most… Stay out of restaurants It is almost always less expensive (and healthier) to cook at home. If you feel deprived, learn to prepare some of your restaurant favorites at […]

Dave Ramsey’s Plan Explai...

Dave Ramsey’s Plan Explained – Baby Step #2

Dave Ramsey’s Baby Step #2 The Debt Snowball Once you have your baby emergency fund in place now you start to tackle your debt. What Dave Ramsey suggests is to make a list of all your debt (except for the house) from smallest to largest. Make only the minimum payments on all of them except […]

A financial plan…get one ...

A financial plan…get one quick!

We all want to be financially healthy. We admire those individuals that retire with millions in an investment account. But how do they do it? Most millionaires are first generation millionaires which means that they didn’t get their money handed down from their mommy and daddy. Most millionaires built their portfolios from nothing. Not many […]

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