Start the new year off on the right foot! Now's the time to review, revise, revisit and rework, whether it's yourself or your financial picture. Get going on the track that will put you in more frugal (read: prosperous) condition for this year and the year after and the year after...
Review all of your insurance
Home owner's insurance, vehicle insurance, health insurance, life insurance, whatever you have. The beginning of the year is a perfect time to be sure you're paying the least amount possible for the amount of coverage you need. Raise your deductible if you can, revamp values, revisit needs. Go over everything first by yourself,
Showing posts with label goals. Show all posts
Showing posts with label goals. Show all posts
Thursday, December 31, 2015
Sunday, August 16, 2015
Psst... Wanna get out of debt?
For real?
Here's the key: Decide you're going to.
It doesn't matter if you have 27 cents left over after you pay the bills and buy groceries. It doesn't matter if you're only working part time and it doesn't matter if you've been in debt for the last hundred years. Once you decide you're going to do it, you can. And you will.
And that's the only secret there is.
Of course, there are methods and advice and ideas and some are better than others. A post at The Penny Hoarder called "The Ultimate Guide to Getting Out of Debt: A Step-by-Step Plan" spells it out in black and white.
Is it easy? Well, no. It takes some discipline and some planning, but that doesn't mean you can't do it. You can start as small or as big as you need to but the most important thing is to just decide to do it.
You can, you know.
Here's the key: Decide you're going to.
It doesn't matter if you have 27 cents left over after you pay the bills and buy groceries. It doesn't matter if you're only working part time and it doesn't matter if you've been in debt for the last hundred years. Once you decide you're going to do it, you can. And you will.
And that's the only secret there is.
Of course, there are methods and advice and ideas and some are better than others. A post at The Penny Hoarder called "The Ultimate Guide to Getting Out of Debt: A Step-by-Step Plan" spells it out in black and white.
Is it easy? Well, no. It takes some discipline and some planning, but that doesn't mean you can't do it. You can start as small or as big as you need to but the most important thing is to just decide to do it.
You can, you know.
Wednesday, March 2, 2011
What do you want?
I like to say that I was born frugal. For some of us, it really is an attitude that we come by naturally, but for some of us, it has to be cultivated. No matter which camp you're in, frugal living can make a big difference in what you get out of life.
Do you know what you want? For sure? Tell me. I don't want some vague, "I want to buy a house". What do you want? Do you want a cottage on the sea? Do you want a cabin in the woods? Or maybe a McMansion in the newest subdivision. How much will it cost? How much of a downpayment do you have? How much can you save each month toward a downpayment? How big of a mortgage can you make payments on? What can you do to increase your buying power?
Once you can answer those questions, then you can move forward. Frugal living will not magically make those things happen. You will have to work for them.
Do you know what you want? For sure? Tell me. I don't want some vague, "I want to buy a house". What do you want? Do you want a cottage on the sea? Do you want a cabin in the woods? Or maybe a McMansion in the newest subdivision. How much will it cost? How much of a downpayment do you have? How much can you save each month toward a downpayment? How big of a mortgage can you make payments on? What can you do to increase your buying power?
Once you can answer those questions, then you can move forward. Frugal living will not magically make those things happen. You will have to work for them.
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