Living on your own for the first time is an exciting, freeing experience, but it comes with its own set of challenges. Whether you’re adjusting to cooking for one, managing household chores, or setting up your space, having the right essentials can make everything smoother. Here are eight Amazon finds to make living on your […] The post Buy These 8 Items to Make Living On Your Own A Little Easier appeared first on Personal […]

A reader wishes to retire with an ongoing home loan EMI and asked us how to plan for this using the freefincal robo advisor tool — a discussion. First, some general considerations. Retiring in the middle of a home loan service may seem odd to many readers. However, it is quite common. For example, SBI… The post Planning Retirement with an Ongoing Home Loan EMI appeared first on freefincal.

Selling on Amazon using FBA is a great way to make money from retail arbitrage. Selling on Amazon lets you reach lots of potential customers and is a great way to start a small business. In this post we are going to explore how to start an Amazon FBA business on a tight budget. Understanding […] The post How to Start an Amazon FBA Business on a Tight Budget appeared first on Make Money Without […]

What do you do when you have unexpected expenses? As you’ll see in our budget below, we try to plan ahead by adding to sinking funds for specific purposes. By adding money to each of these categories every month, we build up sums of money that will come in handy when those expenses come up. Car maintenance is one of those sinking funds that we add to nearly every month. Most months we don’t need […]

If you’ve ever watched extreme couponers fill their carts without breaking the bank, you’ve probably wondered how they do it. The secret isn’t just in collecting coupons; it’s also about having smart shopping list ideas that maximize savings. By knowing what to buy and when, you can make the most of every coupon and get the biggest bang for your buck. Here are ten savvy shopping list ideas to help you save big on your […]

Most budgets are set up to be monthly. Many of our bills are monthly so it’s a convenient way of managing your spending. But many of us aren’t paid monthly, we’re paid every two weeks (biweekly). When you’re paid biweekly, a monthly budget can sometimes be a bit “off.” We have months where you’re paid twice and a couple where you’re paid three times. And some of us are paid weekly, which means some months will have four pay periods and others will have five. These non-monthly pay periods can throw off your budget, which is why some people prefer paycheck budgeting (which sounds better than weekly or biweekly budgeting, despite the alliteration!). Table of ContentsWhat is Paycheck Budgeting?How to Budget by PaycheckDownload Our Paycheck Budgeting Printable What is Paycheck Budgeting? Paycheck budgeting is when you align your spending with your paychecks. This is best done with a planner of some kind (we have linked up our printables below). For each month, you match your expenses with your income. You begin at the top by listing your paychecks, the dates you will get them deposited, the amount, and any other notes you may have about that payment. Next, list all of your month’s expenses, the amount, and their due dates. This is anything that is billed regularly on a month basis. For example, you may have: Rent/Mortgage – 1st of the month Cell phone – 5th of the month Cable television – 10th of the month Netflix – 15th of the month Gym – 18th of the month Credit card #1 – 20th of the month Student loan – 25th of the month Then, you want to match those expenses with specific paychecks so you have complete coverage of your expenses. How to Budget by Paycheck If you’re paid twice a month (1st and 15th), you know that those bills from the 16th to 31st are paid by the paycheck you received on the 15th. The bills from 1st to 15th will be paid by the paycheck received on the 1st. (you can also get an account that gives you your paycheck two days early) Once you match up your fixed expenses, it’s now time to see what’s left over to apply towards your variable expenses, like groceries, gas, and savings. Once you budget for those items, you have either a surplus or a deficit, which is carried over to the next pay period. If you have a deficit, this is when you can start adjusting your variable expenses (or negotiating your fixed expenses) so that you have a surplus. If you have a surplus, great, you can still adjust and negotiate to increase that surplus. Download Our Paycheck Budgeting Printable Our paycheck budgeting printable is very simple because the concept of paycheck budgeting is very simple. Matching up expenses with your paychecks is a time honored technique because it works. The math supports it. Our paycheck budgeting printable has five weeks so it covers any month of

Are you feeling overwhelmed by Black Friday sales already? Learning how to budget for Black Friday shopping is your key to scoring amazing deals without breaking the bank. Each year, more shoppers are discovering that a solid budget plan is crucial for success. Smart shoppers know that with the right tools and strategies, you can save hundreds while staying completely debt-free. Imagine walking away from Black Friday with everything on your list and zero financial […]

  123rf The forecast is calling for heavy precipitation in the next few days, right in time for the new year. Most of us are still in vacation mode, and parents with children are probably wondering how they’ll entertain their children while school is still out. Unfortunately, the cold means there’s no garden to tend to, and unless you’ve installed cold frames and planned for a winter harvest, there’s nothing to pick from the ground. […]