So whats the big deal with budgeting and why is it so important? Let me tell you why I love to budget, I have ten reasons and maybe you might see for your self the reason for its importance. Here they are: Big Awareness. Through budgeting, it keeps me aware of how much I spend on the daily basis. Saves me money. By knowing whats coming ahead and being able to plan, it helps me to spend less and less every month. Smart planning. Knowing how...

Time, more than money, can help you achieve your life goals. If you have a future in mind, whether it’s a home, starting a family, going to college, or building a nice nest egg, the main problem of achieving your goal is that money is tight and hard to come by. The best tool you could use to help achieve that goal is time. It doesn’t take that much,  but just good time management and a simple plan which you can stick to. When...

So I managed to bring my credit card debt down to an even $4,000.00 just this past weekend. Paid off $1,404.22 out of the $5,404.22  which brought my total to an even $4,000.00 I plan on paying off a little more as soon as I receive my refund from my federal return. My goal is to bring it down to $3,000.00 by next week. It would be nice if I could have it completely paid off before summer starts but I doubt that will happen, simply...

Getting tired of trying to save and not seeing any results? Well follow these simple steps and watch your savings account grow. Set a goal or a target. Write down the amount you want to save and also a date in which you want to accomplish this goal. Get a general idea on how much you have to save per week or month to meet your goal. Don’t let your money stay idle. Keep idle cash in an account that pays interest. Keep your checking...

It seems that everyone is trying to climb that millionaire ladder of success, that includes me and Dr. Evil. But unlike Dr. Evil, I don’t intend on taking the world hostage and asking for money. Instead, my goal is to get there by making smart money moves and to be there by early 40′s. Think its reasonable? I certainly do, heres my plans/situations and what differentiate me from the rest. I am currently in school and will have...

Happy New Years everyone! I can’t believe how fast this year had gone by. So I guess it’s that time of the year for New Year Resolutions. This year I have some critical Resolutions so here they are: The most important one is to get out of debt. If I follow my current plans, I should be out of debt by the end of February. This is the key goal here because after I get this one out the way, I can start my other goals. Start my IRA...