Budgeting

Shortly after my wife and I were married in 2009 (we just had our 10th anniversary last week :), we found ourselves in a tight spot financially. I was laid off from work, she wasn’t making enough to support our lifestyle and we were in deep financial trouble.

There are few things that will humble a person like looking down the barrel of not being able to pay rent in a months time. Something needed to change.

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Want to know what to do when you’re behind on bills? I’ve been there! Keep reading for some helpful ideas for how to get back on track.

The year was 2009, and I was drowning. Not literally, I was drowning in debt. I was newly married with student loans, credit card debt and my personal favorite, a $25,000 loan for a pickup truck I didn’t need.

I was barely keeping my head above water when I got laid off from my job. Not permanently, but for the winter as there was no work. Deep in debt with no work, it wasn’t long before I realized that I couldn’t make my car payment the next month. I was going to start falling behind on bills and didn’t know what to do. I was in major trouble.

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Are you stuck in these millennial money traps?

We millennials don’t have the most pristine reputation when it come to managing money. The reality is that for many of us, the reputation is well-earned. There are more millennial money traps out there than ever before. We live in a time when access to pretty much anything we could ever want is a just a credit application away.

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Getting on a budget is absolutely essential for your financial well-being. There is no better way to keep track of how you’re spending the money that you make. Budgeting helps you prioritize the things that you really need to pay for, and the things that you want most.

But even pro budgeters sometimes miss things that should be in their budget. In this article, I’m going to walk through 15 things that are commonly missed when putting together a budget. Make sure you’re budgeting for these expenses!

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I like the dollar store as much as the next guy. Some things are just better bought super-cheap. Napkins and plastic cutlery are a couple of good examples.

Most of us want to use our money wisely, but that doesn’t mean always buying the cheapest version of everything. Sometimes, the cheapest thing that you can buy will cost you more in the long run. There are times where it makes more sense to invest some extra and buy a higher quality item that will last longer and add more value to your life.

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Do you feel like your financial situation is hopeless? Are you unsure where your money is actually going?

If you’re struggling with money, the first thing that you should do is get yourself on a zero based budget.

Budget? Most of us are excited to budget like we’re excited to stop barefoot on Lego when we get up to pee at 2am.

Take a deep breath, and stick with me. It doesn’t have to be complicated. In fact, you could write up a simple budget on a piece of paper on your lunch break.

In my opinion, the best system is zero-based budgeting. Whether you’re using plastic or cash, it’s the simplest way to get your spending on-track.

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Getting your family on a budget can be really hard. Keeping your family on a budget is even harder! Over the years I’ve learned lots of budgeting hacks to help my family stay on track.

This blog is all about helping parents win with their money by getting out of debt and saving their cash. Below are some of the best budgeting hacks that I know of. Some of these tips are things that we do in our household and some are things that our friends to to stay on budget.

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