Earn, Save & Live Smart
Budgeting is about setting an actionable plan to reduce your spending and really save money. That money can then be used to relieve debt or invested to grow more.
Is this the year to get your finances in order? Have you put your pen to paper, and developed a written household budget? Household Budget Tips It’s easy to remember to budget for your mortgage/rent, utility bills and car payments, but did you remember to budget for car repairs and vet bills? What about plumbing … Read more
According to USA Today, 69 percent of American household are in debt. As well, each household struggles with an average of $70,000 in debt – which his more than some adults’ annual salaries, especially in these tough economic times. These five reasons can support you in your goal of becoming financially stable. Benefits of … Read more
Guess what? If you cut your spending by $13 a day, you’ll save $400 a month and $4800 a year! Pay attention to the little expenses because they really do add up. Let’s get started by reducing your utility and insurance bills. All it takes are a few phone calls, and you’ll be pleasantly surprised … Read more
In a time where it’s considered normal to be buried under a mountain of debt, many people simply assume they’ll never be able to pay it off and try go about their lives regardless. Unfortunately, unpaid debts can haunt you for the rest of your life. If you’re feeling crushed under the amount of money … Read more
Dave Ramsey, the renowned financial expert, author and speaker who helps people get out of debt, describes debt-free people as wise, responsible and willing to make sacrifices. They know that budget cuts are temporary and necessary, and they’re willing to sacrifice now to live a debt-free life later. If you want to live without debt, … Read more
If you live in an area with reliable public transportation, you are able to weigh whether the costs associated with car ownership is worth it. The American Society of Civil Engineers reports that 45 percent of American households lack access to public transportation, and if you’re part of that, then having a car becomes far … Read more
Buying a car can be overwhelming. You could get part of the way through the decision making process and stop dead in your tracks because there’s just too much information to juggle. Not only do you have to decide what type of car you want, but also how much you’re willing to pay for your … Read more
I named my blog The Budget Diet because saving money is so much like dieting! Diets require effort. Saving money requires effort. Diets are successful when you change your eating habits. Saving money becomes easier when you change you spending habits. When we go on a diet, we give up some of our favorite foods … Read more
We try to teach our kids to count their money, and give them weekly allowances, hoping that witnessing the exchange of money for goods will help them learn the value of a dollar, but it can be hard to teach finances to little people who’ve never worked for a paycheck or had to pay bills. … Read more
When we think about wasting or losing money, we often think about it in larger amounts, like when we get a big hospital bill or when we buy a big ticket electronic item we don’t really need. Losing a few dollars in smaller doses isn’t always considered wasting money because our money isn’t going out … Read more