Budgeting On An Irregular Income


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Irregular Income Budgeting David has been giving us some great information on starting a budget. One thing I'd like to throw into the mix is how I overcame budgeting based on an irregular income.  Before Saul and I got married, my budget was easy. I make the same amount every pay period and I'm a strict budget-er. Saul gets paid the same day I do, but works 28 on and 14 off.  He ends up with a 1 week, 1 week then 2 week check and he had NO budget. This threw me into a panic! The first thing … [Read more...]

Save Money on Your Satellite/Cable Bill the Wizardess Way!!!


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Save Money on Your Cable Bill Here’s a tip to save money for you! I know a lot of people watch lots of TV, but in our house that’s just not the case. There are, however, a few things on TV that I absolutely can’t do without! That’s my football, House, and Law & Order Special Victims Unit. Not a lot of people are aware of this, but did you know that you can put your satellite service into vacation mode? And it probably works with cable too! And did you further know that there’s this … [Read more...]

Setting up Your Cash Envelopes


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Cash Envelopes System We have showed you that you don't have to rush out and buy a fancy cash envelopes system to help you keep track of your funds. This video is going to show you how you can set up your envelope system to keep track of both your money and your receipts! One thing you will learn from the budgeting webinars is that you will always want to know exactly how much is in your envelope at all times. Something you will learn from the couponing webinars is that you will always … [Read more...]

Debt – If You’re Serious About Getting Out of It, Answer the Phone


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Getting Out of Debt As we continue to work on teaching couples how to work on their household finances & getting out of debt, one piece of advice we can give is:  Answer the phone!  If you are serious about getting out of debt, you need to deal with the problems you have gotten yourself into head on. When I think about the stream of emotions that I used to deal with when I had debt problems, I think I honestly had myself convinced that if I didn't answer the phone, the debt really didn't … [Read more...]

Is Your Business Ready for the New Year?


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Getting Business Ready for the New Year This time a year is my favorite of them all, but probably not for the reasons you would think. As a small business owner, I enjoy the end of the year because it’s a slow time for me in my line of work and leaves me plenty of time to get my business ready for the new year. My clients are all out doing their holiday thing while I’m here at home doing mine; my year-end-wrap-up and working for David at The Coupon Wizards! As I was organizing my files and … [Read more...]

How do I Start a Budget?


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Starting a Budget Starting a budget for your household can be exciting, fun, stressful, strained and eye-opening all at once!  If you have never used a budget in your household, this article will give you some good information that will help you get on your way!  The following steps are crucial to your success if you are going to start a formal budget in your household. Enlist the support of your spouse/significant other.   If you don't have the support of your mate, this is going to … [Read more...]

Tax Refunds are STUPID! Don’t Fall Into the Trap


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Stupid Tax Refunds Yeah, that's right, I said it. Tax refunds are STUPID! It is amazing how many people I talk with that "can't wait to get my tax check." Highly educated people that are both friends and family. Why? Why are they so excited? Why are they enamored with the fact that they just gave the Federal Government an interest free loan for the last 12 months? If you get a tax refund (with the exception of EIC, and some special circumstances) STOP! If anyone needs an interest free … [Read more...]

Learnvest – Don’t Fall for These 9 Spending Tricks!


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Quick: Pop quiz! When you go to your favorite grocery store, do you choose a cart instead of a basket? Hum along to the tune that’s playing? Or accept a sample of the new gouda cheese or pine nut hummus on offer? If you answered yes to any of the above, you were likely seduced into spending more than you intended. And insidious ploys to get you to open your wallet are also going on at malls, in dressing rooms and on shopping websites across America. The excerpt above came from this … [Read more...]

Learnvest – Want to get your budget right?


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Learnvest In the 7 Habits of Highly Effective People, author Steven Covey tells us we must "sharpen the saw".  Simply put, we need to improve our knowledge and refine our skills every single day.  One of the best ways to do this is to "force feed" ourselves. I subscribe to several different daily newsletters that are waiting for me each morning when I wake up.  They range from religious to financial to parenting  and more.  I do this because it allows me to digest my first cup of coffee … [Read more...]