A Guideline Budget – How Do You Compare?

Budget Balance

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 a guideline budget that is proposed by the authors. I’ll first present the guideline budget and then provide my perspective on it.

The Guideline Budget

The guideline budget basically breaks your expenses into 12 categories and provides a suggested percentage of your income to be allocated to the category. Here is the guideline budget from the book:

Why I Blog

Valley Mountain View

Inspired by a post from PaidTwice, I thought I might share my motivations for blogging. Most of this information is also available on my About page, but in a more abbreviated format.

In November of last year (2006), my family and I were impacted by a earth shattering personal circumstance. I was out of work for an extended period of time, we were faced with getting behind on our debt payments and beginning to wonder how we were going to put food on the table. We ended up selling a number of our personal possessions to a pawn shop just to make ends meet. It was the most scary time of our lives. Our faith was truly tested.

Can Your Healthcare Costs Go Up If You're Obese?

Employee Smoking RoomOn July 1, 2007 new rules for the Health Insurance Portability and Accountability Act (HIPPA) went into effect. These new rules provide additional clarity around how employers can reward or penalize employees based a specific health results.

Clarian Health Partners Inc. was among the first companies to take advantage of these new rules. I first read about Clarian’s changes in an article published by MoneyNing. Since then further details have been announced and along with them a tremendous amount of controversy and discussion on the web.

Money Saving Monday Tip #13 – RSS For Deals

Best Deals In Town

As blog readers, many of you are most likely familiar with RSS as way of reading blog content and being notified of updates. If you aren’t familiar with RSS, then here’s an overview. There is also a site dedicated to RSS that provides some great info as well. In addition to reading blogs, RSS can also be used to find some of the best deals on the web. Here’s how:

RSS Feeds

There are a number of sites that provide RSS feeds containing updated “deals” from various online and brick and mortar shop. More notable feed suppliers include: BensBargains.net, CheapRSS.com, DealCatcher.com, DealNews, eDealInfo.com, Fatwallet.com, Hot-Deals, Passwird, SlickDeals.Net, Spoofee.com, Techbargains.com, and Woot.com.

10 Mutual Funds For A Greener Future

Green World

This article is just one of more than 14,000 blog articles being published on the internet today as part of Blog Action Day. The entire M-Network is participating and writing articles to participate in this incredible effort.

There are many ways you can make a difference in the environment and make your money greener including eliminating paper, driving more energy efficient cars, etc. I would like to focus on investing. There are a number of new mutual funds that you can invest in that will not only make a difference in the environment but will also provide you with strong returns.

The Friday Gathering – Broken Arm Edition

My Arm

(yep, that’s me)

Due to me breaking my arm this week, there won’t be a Friday Gathering today. BUT, to make up for it, I’ll post an extra large one next Friday!

Make sure you don’t miss out on all of the Blog Action Day postings from the M-Network and more than 11,000+ bloggers on Monday.

Have a great weekend! I should have my fingers available on Monday, and I am praying they will be much less sore by then! I can then return to a normal posting schedule.

My Yard is a Waste of Time and Money


This post was originally a guest post I wrote for Financial Dominance. I am reposting this while my broken arm heals (blogging with one hand is hard!).

My wife made a comment the other night, “Why do we care about our yard so much? I am just tired of worrying about it”.

My boys mowed the yard the other night, and when they finished the whole front yard looked like a dust storm had gone through. What grass I have is crabgrass, the rest is mostly dirt with a few weeds and lots of completely yellow and dead grass. In the spring, in was a luscious green and completely full and thick.

Murphy Please Go Away!

(no, this is not my arm)

Matthew 16:23 – “Jesus turned and said to Peter, “Get behind me, Satan! You are a stumbling block to me…”

Ever have one of days, weeks, months, or even years where things just seem to go wrong? In the Glblguy’s household it has been one of those months. It seems like for every one step forward, we take 10 steps back. Thank God though that he provided me with the knowledge to establish an emergency fund. Our emergency fund has been a true blessing this month. Let me explain…

Psalm 23

This is a little off-topic, but so cute I just had to share…

The Cost Of Procrastination

I put off getting my car’s oil changed and tires rotated way too long this go around. I try to get the oil changed and tires rotated every 6,000 miles. I was well over 9,000 this time. To make matters worse, my registration and inspection was more than 2 months overdue. A symptom of too much going on, or I guess to be more accurate poor planning on my part.

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