Frugal living is not a competition
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We all have to make decisions in our lives that are authentic to our values, our time and the other people living in our homes. Because saving money is not a competition.
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How to make your first budget
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Let's be 100 percent truthful here. The word budget doesn't exactly conjure up warm and sunny thoughts. It sounds boring. There, I said it. It just sounds boring.
I think the idea of living on a restrictive budget that is going to limit fun just makes people NOT do it. But actually a budget is freeing.
First you have to get started. It doesn't have to be a complicated process.
Grab a piece of paper a calculator and a pencil.
Read MoreWhere is your money going?
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Yesterday we kicked off "30 Days to Get Started." This week we are focusing on getting out of debt. Yesterday we discussed facing your debt number head on.
If you followed yesterday's lesson and you sat down and wrote out every piece of debt you had, that number might be a little overwhelming.
Today we are going to talk about tracking where your everyday dollars are going.
Having a list of where your money is going, of where your spending your hard earned cash, is like a black and white picture of your priorities.
Read MoreHow to STOP living paycheck to paycheck
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One day I woke up and decided to stop living paycheck to paycheck. I remember the day clearly. We had more month than money, our checking account was in the red and we had about $136 in our savings account. That's a bad day.
How we paid of $36,000 in debt in two years on just one income!
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If I had to describe what it felt like to live with a pile of debt it would be this: like constantly wearing a backpack full of bricks.
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