Budget Vacations: Budgeting Your Trip to…Southern California

There are many places travelers across the globe want to visit at least once in their lifetimes. The beautiful and historic cities of Europe are on the list as our places like Australia and the tropical environments of Hawaii and the Caribbean. On the U.S. mainland, visitors head toward New York, Disneyworld, Boston, and the country’s numerous national parks. At or near the top of the list is the region known as Southern California.Continue Reading

Paring Down Your Life For a Simple Budget

Have you taken a look at your budget lately? Pretty daunting, isn’t it? What was once a simple document is now filled with numerous categories for every single item that you purchase. This includes food, clothing, kid activities, holidays, dining out, movies and so much more. There are so many categories listed on your budget that you find it hard to choose what category something goes into. What’s worse, the money you need to pay down debt and set up an emergency fund seems to decrease every paycheck. In other words, you’ve overextended yourself. It’s time to pare down for a simple budget.Continue Reading

It’s Fall — Time to Think About Winter

You know the summer is about to end from the little things you see changing. The kids are back in school, colors are starting to shift on the neighborhood trees and there’s a hint of a chill each morning as the dew accumulates on the grass and automobile. These signs usually mean putting away the sandals for the year and prepping your home for trick-or-treaters. It also means you need to start thinking about preparing your home for winter.Continue Reading

Paying Down Debt: How to Earn Extra Money for Your Budget

It can be tough to pay down debt. No matter how much you sacrifice or deduct from your regular payments it doesn’t seem to make a dent in what you owe or allow you to see a light at the end of the tunnel. There have been thoughts of taking a second job, yet your current work and family schedules aren’t flexible enough to make it happen. Which means you sigh, throw up your hands, and either continue to make small indents into the debt or give up entirely.Continue Reading

The Envelope System: How to Make Your Cash Visible Again

We’ve discussed numerous avenues an individual could take in order to establish and maintain a working household budget. Someone could do it via paper ledger, computer spreadsheet or software program. They can break their categories down by generalizations or get into the minutiae do describe even the most minor of expenses. They even have the option of budgeting on a daily, weekly or a monthly basis. There’s also the envelope system.Continue Reading