Time To Check Your Credit Score!
Apr04

Time To Check Your Credit Score!

It is time to check your credit score once more. It is good to always keep on top of what your credit score is. Even if you don’t currently need to apply for credit, you should still check. You can always use a site to get your FREE score. I personally use Credit Karma and Mint to stay on top of my scores. I check at the beginning of every four months so that I have the most up to date information. When was the last time you...

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My Credit Score Dropped 16 Points
Sep29

My Credit Score Dropped 16 Points

My credit score dropped 16 points recently. I am still within the ‘Excellent’ range, but I was not happy to see a drop. (If you are not reading this post at www.howisavemoney.net or in your feed reader, it may have been stolen from my site.) I normally glance over my credit score daily when I log into Mint. Imagine my surprise when I saw a red, downward facing triangle on my page. The triangle indicated that my credit...

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Where Am I With My Rolling Budget For 2014?
Sep30

Where Am I With My Rolling Budget For 2014?

I decided to have a one year rolling budget this year so I could have a better idea of how much I really spent and made (apart from my salary) over the course of one year. I used to simply do a rolling budget on a monthly basis and would reset all the budget categories every month so they would not roll over to the following month. I would therefore start every month with a zero balance from the previous month last year. This year I...

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The Rolling Budget Is Working Out Nicely
Feb17

The Rolling Budget Is Working Out Nicely

I decided to give the rolling budget another try and even though it is only the second month I am please with what I see. With a rolling budget what you do is similar to the envelope method, except you don’t use physical envelopes or cash. I do all my purchases on credit cards (and pay them off every week) but treat those credit payments like a debit payment. With the rolling budget if I have money left over in a category from...

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Taking A Break From Manual Tracking
May24

Taking A Break From Manual Tracking

I have been using a combination of Mint and a Google docs spreadsheet to keep track of my expenses. Every time I have a receipt I will enter it manually into my spreadsheet because that way I have a running total of my spending before the transactions show up on Mint. The two systems have always balanced up, although I sometimes have to go back into Mint to edit my spending categories. This seems to happen the most with purchases at...

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