A budget is really nothing but a spending plan. You may find yourself struggling with an unrealistic plan to save tons of money when what you really need to do is spend more wisely. If you think that you can meet your financial goals without some sort of a spending plan, you will find yourself very disappointed. Regardless of whether you make a hundred dollars a week or a million, the key ingredient to successfully making your money work...

Raise your hand if you think saving is a good idea? Now out of everyone who raised their hand, keep your hand up if you actually save. Here is where almost everyones hands go down. When you ask anyone to save a certain amount of their pay check, they will most likely agree that it is a great idea but they claim they can’t because they’re already pushing their limit within their budget. To save money from your current income...

Lately, I’ve been listening to this audio book called the “Automatic Millionaire” by David Bach, and let me tell you that it’s awesome. I recommend this audio book to everyone, it’s a great read/listen, whichever you prefer. So while I was listening to it, I noticed some cool things that I thought I wanted to share with you. When it comes down to it there are 6 approaches to wealth. Here they are. Win it. For...

I have a friend who has been keeping his receipts for as long as I can remember. I guess you can say that he’s a receipt freak. He keeps them to enter into his money tracking system to keep track of his budget. This is all very understandable and some what commendable for being so organized but I asked him, “why not just use your debt card like I do and keep track of your spending that way”. He replied ” because I...

For the majority of the population, most people have bad habits when it comes to money. These people, instead of thinking in terms of saving, investing, and financial freedom, they think only of spending, borrowing, and financial dependence. Statistic shows that in 2002, nearly 2 million Americans declared personal bankruptcy due to constant spending and borrowing more than what they could afford. There are two directions that a person...

Yes, I’m really excited to announce that I have completely paid off my credit card as of this past weekend. I have wrote many posts about my credit card situation and it has been an ultimate goal for a while now. I am finally glad to announce that my long journey has finally reached an end. For those who do not know, I originally had a credit card debt of about $9,000.00 as of last year May. Over this past year I have been trying...