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Tag Archives: budget

The Budget Reality of Digging Out of Debt

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Today I want to talk about the reality of digging out of debt with budgeting and reducing expenses and the Debt Bridge. But how to do a budget is not my focus today. Instead I want to focus on the incorrect assumptions many seem to have about the amount of money they need to make available in their budget to ... Read More »

How Can I Stop My Husband From Spending Money We Don’t Have? – Marie

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“Dear Steve, I was an asst. director at a computer company for 4 years of the 10 years I worked ( I am a medical laboratory tech by trade) at this company. When I quit to be a full-time mom (and follow my husband as he did contract work as a nurse anesthetist) I was making ~$75,000. I had ~$45,000 ... Read More »

Keeping Track of Your Personal Finances Just Became Stupid Easy

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Let’s be honest, for many of us, keeping track of bills and personal finances is a big pain in the butt. I know I personally hate to deal with all the paperwork that come with keeping track of things. For me, it’s annoying and boring. But recently I found a small bit of technology that I wanted to checkout that ... Read More »

Here’s How to Build the Best Budget – Get Out of Debt Guy Show

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Budgets can be an exercise in pain for many people. The sad part is it doesn’t have to be like that, at all. Building a great budget is simple when you understand what not to do. And what you shouldn’t do first is sit down and make a budget from memory. That just sets you up for a bad outcome ... Read More »

Our Budget is Sound But We Have Nothing Left to Pay Off Debt! – Sarah

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Dear Steve, So debt is my problem…I have read up to the chapter in your book where I can begin to creating action plans…I created my budget…here’s my situation…my husband and I have incured about 24,000 in credit card debt (he was laid off for about two years before regaining full time permanent employment — in our very misguided world…we ... Read More »

It Takes Two (Creating a Family Financial Battleplan-Part 1)

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Two years ago I wrote about creating a financial game plan. It’s been a popular post and I think it’s due to couples looking for a solution that they can create together. Though most of the advice still hold up, I wanted to break down the steps for couples just starting out with getting their finances together. The first topic ... Read More »

Personal Finance Struggle Universal. Many Dealing With Trying to Make Ends Meet.

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When you are struggling to find enough money to get through the month or make ends meet, it an feel as if you are all alone in that effort. Money troubles are internationally universal and experienced by people around the world. Just yesterday I wrote about consumer debt levels increasing in Australia and Canada. The reality is that since the ... Read More »

I Need Someone to Put Me on Budget. – Sharon

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“Dear Steve, Working full time and also an adjunct college instructor-made some terrrible money mistakes and I don’t know how to fix! Make enough money to pay bills, but that is it. Not getting anywhere I need someone to put me on a budget, and help me figure out how to get out of debt-scared Sharon” Don’t miss our free ... Read More »

Three Important Personal Finance Ideas You Can Use Now!

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The following guest post was contributed by Dan Boylan. Dan Boylan is a lifelong practitioner of debt free living. He teaches classes out of Fort Wayne, IN at the University of St. Francis. He has a basic belief that all people can live healthy, happy debt free lives. He has spoken at numerous events and venues. Contact him at [email protected] ... Read More »

We Can’t Seem to Make Ends Meet and Save. Is Bankruptcy Right For Us? – Matt & Patti

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“Dear Steve, My wife and I gross $93K. We owe $38K in credit cards, $1290 mortgage and two kids in private HS @$15K/year. Take home is approx. $3200/mo. We are upsdie down on our house by at least $20K. Our current credit scores are – me 690′s, wife low 700′s. We make all our payments on time but emergencies like ... Read More »

Scott Writes Me and Asks For Help – “We Are Behind And Overwhelmed”

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Scott wrote to me at GetOutOfDebt.org and asked me the following question. If you have a question you can visit GetOutOfDebt.org and ask for my free help also. “Dear Steve, We have too many bills and not enough money. We owe $30,000 in debt besides my mortgage. We are behind about 1-2 months are most bills and are overwhelmed. We ... Read More »

How to Budget Your Money – Video – 1948

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Budgeting, its a topic that has not changed much from the time some dude had two cows to spend. “Where did that other cow go?” Today we have all sorts of fancy products and systems to help us budget our money, but does budgeting have to be so hard? For the record, I hate to budget. I hate to track ... Read More »

My Wife and I Made Mistakes. I Can’t See a Way for the Family to Get Out of Debt. – Gary

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Gary “Dear Steve, My wife and I do not use our credit cards any more. We did use them at one time just to survive. We also used them to pay for a vacation or two. One more thing in my job I was traveling for about 5 years and would use my personal credit card to pay for my ... Read More »

People That Track Spending on Groceries Actually Overspend By Nearly 20 Percent

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Almost one in three U.S. households shop on a budget — and one in six can only afford basic necessities. So it’s no wonder that 78 percent of budget shoppers — twice as many as those who shop without a budget (37 percent) — try to track how much their groceries are likely to cost as they roll through the ... Read More »

Our Debt Snowball Plan Has Us Out of Debt in Three Years. – Alayne

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“Dear Steve, We make around 85k per year. I just picked up a part time job to make some extra money. We owe 33 thousand on credit cards. Making just the minimum payments of almost 900 per month is really straining our budget. At this point we are current on all card payments. We have also just started to try ... Read More »

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