Dave Ramsey Debunks Some Debt Myths

Posted June 12th, 2009 by Kent and filed in Debt
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I ry enjoy Dave Ramsey video debunks se debt myths. you’ve 10 minutes sit dn listen wl gain gt knowledge. enjoy learn sg today…

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Financial Warnings

Posted June 10th, 2009 by Kent and filed in Debt
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Warnings Signs Impending Financial Trouble

Here warning signs alert ft getting close financial trouble.

  • Not paying bills time
  • Writing checks waiting mail them
  • Rarely balancing checking account
  • Taking cash advances credit lines individuals
  • Accepting additional credit cards
  • Paying minimum charge accounts
  • Bouncing checks
  • Borrowing family friends

If debt nothappen overnight. won’t easy debt time persistence. check signs fall io category step bk prepare me forward conquer debt problem.

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10 Habits to Develop for Financial Stability and Success

Posted June 8th, 2009 by Kent and filed in Debt
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favorite sites zenhabbits and Leo Babauta shares gt financial tips. gg republish articles here. called:

10 Habits Develop Financial Stability Success

Just le goal, getting yr finances stable financially successful requires development financial habits. I’ve researching ts topic extensively ys quest eliminate debt, increase savings increase financial security family. I’ll speak habits individually, list tm summary (I know, I’m compulsive list-maker).

Here ty are, particular order:

  1. Make savings automagical. Ts sd priority, especially don’t he solid emergency fund yet. ft bl pay eh payday, hg set at automatically transferred fm checking account yr savings (try onlinesavings account). Don’t consider ts transaction — jt se happens, ey payday.
  2. Control impulse spending. biggest us. Impulse spending, eating shopping andon webpurchases, massive drain finances, biggest budget breaker many, se dire financial straits. See Monitor Your Impulse Spending me tips.
  3. Evaluate expenses, live frugally. you’ve nr tracked yr expenses, try theOne Month Challenge. evaluate you’re spending yr money, cut reduce. Decide expense istotallynecessary, then eliminate the unnecessary. See How I Save Money more. read 30 ways to save $1 a day.
  4. Invest yr future. you’re young, probably don’t consider retirement much. it’s important. as plan retirement later, now. growth yr investments time wl incredible youbegin yr 20s. Start increasing 401(k) maximum company’s match, that’s available you. that, ideal bet probably Roth IRA. aTiny research, do,begin now!
  5. Keep family secure. step save emergency fund, happens, you’ve money. he spouse and/or dependents, sd definitely life insurance wl — soon possible! Ao research insurance, homeowner’s renter’s insurance.
  6. Eliminate avoid debt. you’ve credit cards, personal loans, sh debt, tobegin debt elimination plan. List debts arrange tm or fm st balance largest bottom. focus debt top, putting it, it’s $40-50 extra (more better). tt at paid off, celebrate! te total paying (say $70 minimum payment plus $50 extra total $120) add minimum payment nt largest debt. Continue process, wh extra snowballing along, ul pay yr debts. years, it’s vy rewarding process, necessary.
  7. Use envelope system. simple sm kp track mh money you’ve spending. Let’s set aside amounts budget eh payday — gas, groceries, eating out. Withdraw te amounts payday, separate envelopes. Tt way, easily track mh he left expenses, wn run money, kw immediately. don’t overspend categories. regularly run fast, rethink budget.
  8. Pay bills immediately, automagically. gd habit pay bills soon in. Also, mh possible, try bills paid th automatic deduction. can’t, bank’s onlinecheck regular automatic payments. way, regular expenses budget care of.
  9. Read at personal finances. me educate yourself, thesuperior yr finances be.
  10. Look grow yr net worth. improve yr net worth, er reducing debt, increasing savings, increasing income, above. Look me money, paid me do. course months, calculate net worth month, you’ll grow. tt feels great.
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Shop with a Grocery List

Posted June 3rd, 2009 by Kent and filed in Money Saving Tips
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Shop wh grocery list stick it

grocery-listPlan menu week, create grocery list stick it. save five, ten, en ty dollars me week doing this.

Put te extra dollars io debt reduction payment month.

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Accelerating Debt Payoff

Posted May 28th, 2009 by Kent and filed in Debt
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Paying Debt Quickly

In post discussed accelerate yr debt reduction setting emergency fund listing yr debts fm largest canbegin getting rid debts.

The nt step fd extra money accelerate yr debt payoff. extra money speed process debt free.

In tips section covered couple suggestionsto save money, theserecommendations wereTo finish fix jobs ad house yf drive automobile life car. 

In posts wt discuss te ws help accelerate yr payoff. he added couple bw started thinking at save money.

Remember ft stop feeding debt, stop spending yr credit cards oy pay cash buy. spending cash you’re aware you’re spending, keeping record spending writing wl tend tk buy wl avoid impulse buying.

  1. Take lunch eat out. ry cut bk eating expenses doing this.
  2. If you’re coffee drinker Starbuck’s thing, stop daily visit me coffee thermos work.

Figure money saving apply at payment yr lowest bill. fd you’ve pay off, depending size.

Take baby steps Todayand commitment save money daily habits.

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