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Tag Archives: budgets

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 »

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 »

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 »

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 »

Lowen Wants to Know “Can I Budget My Way Out Of Debt?”

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Lowen “Dear Steve, I have $102,000.00 in student loans, $21,000 in credit debt, and can’t budget my way out of a wet paper bag. I make $21.40 per hr and work 36 hrs a week, my wife works and makes $11.50 per hr and works 30 hrs per week. I own nothing of value, no homes, my cars are at ... Read More »

Any Suggestions for Good Budgeting Tools to Dig Out of Debt? – Scott

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“Dear Steve, My wife and I currently have credit card debt of about $60,000. In addition to that we have 2 mortgages and 1 car payment with about 1 year remaining. We both have incomes, and are barely able to make the minimum payments. We aren’t behind on any of our debts, but continue to live a lifestyle where we ... Read More »

Does Money And Things Alone Bring You Happiness?

I’m not quite sure what really resonated with me about this video. I guess it is the fact that it is a message that I have heard before from other doctors when I was in the medical community. And it is a realization that I experienced myself in my life. The lessons about material wealth and happiness are ones that ... Read More »

Do You Think You Are A Failure When You Break Your Budget?

What Is a Budget, Really?

I’m always sad when someone says to me that they feel like a failure when they break their budget. Just by it’s very nature, a budget is a self-defeating document that will most likely lead to failure. You see most budgets are not based in truth, they are based in wishes. Here is how I would like to spend my ... Read More »

Bankruptcy Rates To Significantly Increase Next Spring From Ho-Ho-Ho Hangover

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I just did an interview with the Christian Science Monitor and we were talking about holiday shopping. The question was if I thought people were going to significantly cut back on holiday shopping to live within their budgets. Sadly, I don’t think they will. Gift giving and shopping at this time of year are ingrained in our consumer DNA. While ... Read More »

Consumers Feel the Next Crisis: It’s Credit Cards

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Indeed it is. If you're not in top shape for the credit card shakeout that's already taking place, there isn't much you'll be able to do about it. It's probably already too late. After years of flooding the market with credit cards (and generous limits), banks are finally starting to take it back. Eric Dash, a New York Times reporter, does an excellent job of distilling the situation. From Read More »

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