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Friday, Apr. 19, 2024

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Budgeting 101

by Wannabe

Rated: E · Book · Educational · #2111848

Make Cents out of Your Dollars

What is a budget? Do you budget? Have no idea how to budget? Need to find out about budgets?

Show Recent Comments

10 Most Recent Blog Comments:

Nada

May 24, 2017 at 10:57am
In response to "Invalid Entry"

I am smiling at your advice.

Elycia Lee ☮

Apr 27, 2017 at 2:29am
In response to "Invalid Entry"

Wannabe

Apr 27, 2017 at 2:22am
In response to "Invalid Entry"

Thanks Elycia - I know it worked really well for my kids, as well as other parents that I talked about it to.

1 Like

Elycia Lee ☮

Apr 26, 2017 at 1:19am
In response to "Invalid Entry"

I like this entry a lot. It's very well written and yes, I think saving 50% and spending 50% is a very good principle to be imparted to your child.

Elycia Lee ☮

Apr 25, 2017 at 9:13pm
In response to "Invalid Entry"

Thanks, greysyl. I have been paying small amounts every month cause the bank has been reminding me. It's just not fast enough and I just want to get done and over with it. I get 10% interest every month. It's still okay.

Wannabe

Apr 25, 2017 at 9:09pm
In response to "Invalid Entry"

Hi Elycia it might be worth it to obtain a copy of your credit report. Even if you have cancelled your cards if there was an outstanding balance on your card the lender will still have to maintain their reporting on your credit standing. If you are making regular payments even if they are small, this would count in your favour. The end result is you want them to continue to do the reporting and especially the final reporting once you have paid your bill in full to show 'Paid in full as agreed' and this will definitely improve your score.

The other thing to keep in mind with creditors is you always want to pay something even if it is only $5 or $10 a month. As long as you continue to make regular payments there is no legal action that they take on you for non-payment. They could however offer you a settlement amount to clear your account and this is generally less than your current amount owing, or it could be a freeze on interest accumulating.

Keep your chin up girl, there are better days ahead, you just have to keep going forward!

Elycia Lee ☮

Apr 25, 2017 at 4:38am
In response to "Invalid Entry"

This is a very interesting post. For me, I don't think I have a positive credit rating. I cancelled my credit card but I'm still in debt. Too many commitments in life now. It used to be so easy to pay up. Now, everything just keeps snowballing at me.

Wannabe

Apr 9, 2017 at 2:55pm
In response to "Invalid Entry"

Mary Ann MCPhedran

That's awesome - love those kind of days :)

Wannabe

Apr 9, 2017 at 2:54pm
In response to "Invalid Entry"

akaluv I agree living on a budget doesn't always work out, but if you stay consistent with it eventually the bugs work out and all is good.

Mary Ann MCPhedran

Apr 9, 2017 at 1:58pm
In response to "Invalid Entry"

Thank you for reading and family always help as for instance just been for Sunday lunch with my son and daughter their treat. Haha no bad day out.

1 Like

#904618

Food - How much are you spending?

February 14, 2017 at 3:31pm

Often I am asked "How is a budget going to fix my problem? What I need is more money!" This is not false - however it is misleading. Everyone needs money as we live in a society where everything has a price. But knowing when you need to spend money and when you don't is revealed by using a budget. It can in fact fix over spending in areas that you perhaps did not even realize that you were spending that much. When we pay for something that is under $10 or even $20 per spe... [Read more]

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