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Photo by: mugley
While the economists debate whether we are in a recession or not, I don’t think anyone can argue that we’re in a down economy. I [...]
As an IT manager, I should have known better, but I didn’t effectively test my spreadsheet before releasing it. See, the problem was I made some last minute changes and assumed they wouldn’t cause any problems. Fortunately few of my readers quickly made me aware of the problems.
I’ve fixed the issues reported thus far, which [...]
The very first personal budget I ever made was done using a Microsoft Excel spreadsheet. The budget spreadsheet followed the principles set by Dave Ramsey in that it was a zero based budget done month to month. It was a very simple Excel spreadsheet that basically contained a list of our income and expenses. [...]
Photo by: adamjinj
I enjoy reading and spend a decent amount of time each week reading blogs on my blogroll, new blogs I find through pfblogs.org and major news sites such as MSN Money Central and CNN Money. I also really enjoy reading the various comments people make about the articles, almost more so than [...]
Photo by: afiler
One of they things you can do to save money is create and follow a budget. I’ve heard Dave Ramsey say many times that when you start following a budget, it’s like getting a raise. I’ve found that to be very true. When you start tracking and pruning your expenses, [...]
So Many Choices by: dewayne.brooks
When my wife and I started following a budget more than a year ago, I decided to use something straight forward and simple, a spreadsheet. I had used Quicken in the past and found it too difficult and frustrating. I needed something that would budget the way I wanted [...]
I am currently reading The World’s Easiest Guide To Finances. So far, it’s a good read especially for those that really have no idea where to start. But there is also some great ideas and perspectives for the more “seasoned” personal finance gurus. One of the more interesting items in the book is [...]
While we may want things, all we really need are life basics: food, housing, transportation and clothing. Anything beyond that is a want. Granted, it may be a very important want, but it would still be a want. A need is something we require in order to survive, a want is everything [...]
1 Corinthians 16:2 - On the first day of every week, each one of you should set aside a sum of money in keeping with his income, saving it up, so that when I come no collections will have to be made.
Proverbs 21:5 - The plans of the diligent lead to profit as surely as [...]
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