Budget Tips

Christmas is my favorite time of the year. The season is full of joy, gratitude, and quality time with family. Of course, the holidays wouldn’t be complete without presents. How do you pay for all those gifts? You may be wondering how to budget for Christmas this year. It’s easy for me to overspend since I often get carried away

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Shopping with a pre determined budget and from a well thought out shopping plan is the best way to stretch your holiday shopping dollar. But how do you create a Black Friday budget, or a shopping plan for that matter? Black Friday Shopping can break the bank if you aren’t careful. There are so many great deals, so how do you

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With so many fun ways to spend your money, the last thing you want to do is waste it on an overpriced electric or gas bill. Think about it: If you could spend less on your electric bill, what would you do with that extra money? Today we are going to talk about how to save on electric bill and

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Remember a time when everyone didn’t have cell phones? Depending on your age, it might be really easy to think back to that time. Maybe you’d like to go back to then? Maybe the idea makes your cringe? Either way, it appears that cell phones are here to stay and it’s a bill we all have to include in our

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Have you heard about the 3 gift Christmas rule?  Your kids only get three gifts chosen from three different categories.  Here are the 3 categories that we use in our home.   One of the toughest struggles as a parent is to give my children a joy-filled Christmas. To me, that somehow translates to giving them the gifts that they want

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Christmas Day is upon us – are you ready? Did you set a Christmas budget and have you been able to stay within your Christmas budget? According to the 2018 TD Bank Merry Money Holiday Spending Survey, 66% of those surveyed said they create a holiday budget and 76% reported that they stuck to their budget. The problem for many,

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You’ve heard me say many times before that a money saving budget planner is an essential part of making your money work for you. Having all your money in one place makes you feel better because you’re more organized. Plus, you can finally stop missing payments and paying late fees.  It makes sense to set up a brand-new budget planner

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In my online course The Financial Renovation I teach my students to use cash when learning how to budget. In the past year I’ve been trying out different prepaid debit cards as an alternative to using cash envelopes, and I am considering switching to using a Prepaid Debit card instead of cash. You may be wondering How to Budget your Life

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