Budgeting

Help with budgeting, budgeting worksheets and even how to live without a budget. Also be sure to check out our complete guide to budgeting and our guide to budgeting tools.

Budgeting in Real Life: What it Actually Looks Like

Budgeting in Real Life: What it Actually Looks Like

Budgeting is weird, because almost every financial guru recommends doing it, and almost everyone who tries to do it struggles with it.

The truth is, there are a lot of things left unsaid when it comes to budgeting.

There’s a reason it doesn’t work…or doesn’t seem to work.

I’m going to explain how to actually budget effectively and cover some unanswered questions.

7 Everyday Habits You Need to Reach Your Financial Goals

7 Everyday Habits You Need to Reach Your Financial Goals

According to Professor Robert Mooradian of Northeastern University,

millions of Americans are dealing with the emotionally and physically taxing consequences of debt every year. We all want to make our financial goals, like getting out of debt, a reality, but few ever make it without changing their everyday habits.

Before we get into the list of habits that will change your financial goals and eventually your life, we need to get two basic concepts down:

How to Get Your Finances in Order in 1 Hour

How to Get Your Finances in Order in 1 Hour

This is going to be extremely straight-forward.

I’m going to give you each step to get your finances in order.

At the end of one hour, you’re going to have a complete overview of your financial situation and be setting goals.

How to Budget Your Time Like Your Money

How to Budget Your Time Like Your Money

You budget your money because it’s important to keep track of it.

You know the importance of tracking. You’ve seen how a dollar here and there can really add up.

What about your most important asset? Your time. It’s not replaceable like money. When it’s gone, it’s gone.

Do you know where your time is going as well as you know where your money is going? You’re about to.

Here’s how to budget your time like you budget your money…

Riding The Emotional Roller Coaster of Budgeting

Riding The Emotional Roller Coaster of Budgeting

So you’ve decided to start budgeting. Good. The first step to recovery is to admit there is a problem.

Honestly, creating your budget will be the easy part. As you sit down and assess all your numbers, you will begin to realize where you are wasting your hard earned money. A feeling of disgust will rush over you as you analyze each dime spent and recognize you could be saving a lot of money each month. If you only knew that all of the coffee stops and weekend adventures would eat away at your bank account. It is astonishing how much we continue to withhold our own financial information from ourselves.

Now you have decided to start a budget and take control of your finances. Frugal spending, wise saving and cutting back seems easy, and it can be. But just like any addiction or habit, controlling the emotional aspect can seem to be the biggest challenge. While you are budgeting you will be traveling a winding road of emotions. Some with the intention of derailing your budgeting efforts.

So let’s take a look at what you can expect emotionally while embarking on your budget expedition.

What You Need to Know About Spending Money While Traveling Internationally

What You Need to Know About Spending Money While Traveling Internationally

Who doesn’t like to travel?

Traveling is fun and exciting, but it can also be scary and overwhelming if you aren’t used to it. Especially when traveling internationally.

There are many things to know and this guide doesn’t cover everything, but it does show you the most important things that you need to know.

First, here’s what you need to do before you hit the road…or the sky…

5 Categories You Need in Your Budget That May Be Missing

5 Categories You Need in Your Budget That May Be Missing

Budgets aren’t easy. They’re not always easy to create and they sure aren’t easy to stick with.

It takes discipline and persistence. And consistency. And…well, it seems hard, doesn’t it?

That’s because it is…or at least, it can be. Sometimes it feels like there are holes in your budget. Unexplained black holes that suck your money in or areas that you just don’t think about.

Here are 5 areas your budget may be missing…

24 Stupidest Things the U.S. Government Spends Money On

24 Stupidest Things the U.S. Government Spends Money On

Americans waste a lot of money, but are we just following in our government’s footsteps?

Either way, we definitely shouldn’t be looking to them for advice. They waste money. A lot of money.

Since we don’t directly control how our government spends money, why not make fun of it? We laugh to keep from crying, right?

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