by Dedra Murchison | Oct 8, 2013 | Budget, Change, Choice, Financial Planning, Money Story, Present, Spending Diary, Spending Plan, Tips
Reason #1 to use a spending diary You have more month at the end of your money. Spending diaries are a tool to help you track your spending. Reason #2 to use a spending diary You have a high debt to income ratio. Studies show that when people pay with cash, they spend...
by Dedra Murchison | Oct 3, 2013 | Budget, Emergency Fund, Spending Plan
How much is enough when it comes to building an emergency fund? Back in the day 3-6 months was standard fare. If your family is growing, you are adding more dependents, or starting your own business, you may want to consider having an extra cushion. There are several...
by Dedra Murchison | Oct 2, 2013 | Budget, Financial Planning, Money Story, Present, Spending Plan, Tips
It has been a long day at work. You are busy. You have things to do, places to go and people to see. You open the mail and read your 401(k) statement. You look at the charts and graphs and numbers and wonder what it all means. Are you saving enough? When can you...
by Dedra Murchison | Oct 1, 2013 | Budget, Financial Planning, Spending Plan, Tips
In case you are wondering if I am about to go PG-13 with this post, let me reassure you that the word in question is BUDGET. If that word makes your eyes twitch and you feel like you should stop reading this post and start dusting the coils on your refrigerator,...
