I had a few car expenses come up this month that put me over the budget for the month. I had the money to pay for everything because I have a Car Fund as part of my zero based budget. I put in a set amount of money into a sub account every single month and that amount builds up in a little emergency fund until I should ever...
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Many personal finance bloggers will tell you over and over how important the emergency fund is. I have spoken about building my own Emergency Fund but never really took note of the importance until...
Read MoreSo I am still looking for a job and it is harder than I thought. I have joined a number of job boards and posted my resume in a few different places. I got referrals from people who thought there might be openings but all I was told is they will keep my resume on file. I have gotten a TON of rejections and they mainly stem...
Read MoreI recently had a conversation with a friend who asked why I was buying a Lexus instead of saving up to buy a house. I had never really thought about that but it did trigger a set of emotions in me. I do have a fund in my ING account called Car Fund where I am currently putting in the amount that I used to pay on the car loan...
Read MoreA Sinking Fund account is one where you put money into a savings account to pay for future expenses. I did not know that was what they were called, even though I have been using sinking fund accounts for a long time now. I still question the use of the word ‘sinking’ because the money is actually growing until you...
Read MoreThere is a lot of turmoil in the world of education now as school districts are forced to cut spending. One of the ways they have decided to do this is to enact a Reduction In Force or RIF whereby teachers are simply told there is no longer a job for them in the upcoming year. This is similar to a regular company performing...
Read MoreSo recently the weather has been just TERRIBLE and we had lots of ice everywhere. After the ice melted I noticed that I had a very long crack running across the driver’s side of my windshield. I started to hyperventilate as I always do when faced with issues like this because I already KNEW it was going to cost me...
Read MoreWelcome to How I Save Money and tracking of income and expenses for the month. Income for the month to date: $31.24 Expenses for the month to date: $1750.03 Net effect: -$1718.79 According to my Excel spreadsheet I have already paid off all the regular monthly bills except the bill for the LASIK which does not come until the...
Read MoreI just realized that it has been a while since I last posted my Monthly Update here. I have been working on the daily summary but I neglected to provide the monthly round up with all the details. In May I did come out ahead after my salary came in on the last day of the month. Amt Spent/Budget is listed below Areas over...
Read MoreHere at How I Save Money I use a budget. I recently read a post that said Why You Do Not Want A Budget . I think this is one of the worst pieces of advice you can ever give someone, especially if they have debt. This is honestly a rather disturbing article to me because it states that your finances will take care of themselves...
Read MoreWelcome to How I Save Money and tracking of income and expenses for the month. Income for the month to date: $27.68 Expenses for the month to date: $881.82 Net effect: -$854.14 (happy now Mark? 🙂 ) When I posted Tracking My Finances In June: Day 4 I got a comment from a reader who was wondering why my negative information was...
Read MoreWelcome to How I Save Money and tracking of income and expenses for the month. Income for the month to date: $907.67 Expenses for the month to date: $2703.78 Net effect: -$1796.11 I received $101.47 income from the ads that run on this blog so that money has really helped me. I realize that it is not in the league of...
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