7 Budgeting Problems and How to Avoid Them Happening to You

Budgets – the foundation of every financial plan and the word that has a tendency to make us run for the hills. When people think of a budget, it’s easy to be scared off by the confinement of it – now you’ve drawn up a budget, there’s no room for fun or social plans is there!? Wrong!

Budget tips

Not too long ago I wrote why personal budgets often fail. Budget failure is a common outcome. Many of my friends faced the similar situation, going over a budget by as early as mid month. Often it’s not your spending habit but, your budget that was wrong in such situation.

How to Find Cheap Phone Sets

One of the items our parents never spent a single dime on, is cell phone. The cost of carrying a phone is manifold. Interestingly cost varies between providers and countries you use them in. After starting to use cell phones I spent probably upwards of $5,000 already.

cost of phone sets

it’s important to find every possible ways to cheapest price for latest phones for sale or least costly phone plans that can suit your need. At the end do eliminate every possible add-ins that you will never use. Try to find possible deals, even check out if cell phone carriers provide special discount to employees of your organization.

Do You Have One of These 6 Money Sucking Habits?

When I first started blogging here, one of my popular posts was 80 Ways to Lose Money foolishly. People objected to items like drinking and coffee, etc. As for many those are essential expenses. Even playing golf, for that matter, can be a profitable investment of money. The contacts you make in the bar or in the Barista can even turn your career upside down, it happened to one of my friends.

Losing Money

Personal finance is very personal, for some coffee is waste of money, on the other hand a cup of coffee everyday increases productivity, at least mentally. Enjoy this guest post from Madeline. The task for you to capture 6 most money sucking habits you have.

After the Divorce: Getting Back on Your Financial Feet

The emotional pain of divorce can be heartbreaking- the separation of a life together and the struggles of building an independent life can be almost overwhelmingly difficult. Divorce is also one of the factors in people’s financial disaster.

Divorce

Divorce can be particularly difficult for single income families, where one of the spouses gave up their career and income, and now find themselves struggling to get by, often with added financial obligations, such as the cost of raising children, maintaining a home, and sometimes alimony. How exactly can you pick yourself up and get back on your financial feet after a divorce?

What is Top of your List for 2014?

Let me start with a question, out of many things that you plan on doing this year, is there any personal finance related task in there? if not you’ll do a ton of good by adding some simple tasks like reviewing your insurance coverage, putting your valuables in bank locker or paying off that credit card debt.

Do it now

For me this is the year to increase contribution to our retirement fund. We may buy our first home this year, so if that happens there are plenty of financial things to take care of. At this time our financial house is in order. Although I always feel that we should reduce some expenditure and stop buying more and more thing.