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The Ikea showdown…Them vs. the Budget. May 24, 2009

Posted by 2bdebtfree in Financial Debt Budget.
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I know it’s hard to stay on budget, especially in the summer. There is so much to do…and places to go…and things to buy. Last weekend it was a trip to Ikea… now it could have been a disaster…had we not had a plan. My wife worked it out and planned so that she knew how much she was planning to spend and then put a little extra in for those impulse buys. I on the other hand had no plans. I’m a free spirit when it comes to spending and that can be bad. I go to the store for a few things and come back an hour later with a $100 bucks worth of stuff. That does not help with getting out of debt. I have to thank my wife, she’s just wonderful, for all she has to put up with while we get out of debt.

Plan budget for any majorĀ  trips so that you know what it’s going to cost and how much you need to save. We got some great deals and stayed within our budget. If you ever go to Ikea check out their “as is section” before you leave. We got a TV stand already together for half the price. Wow, what a deal!

Don’t let the Debt Get You Down! March 16, 2009

Posted by 2bdebtfree in Financial Debt Budget.
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Don't Stress about Unhealthy debt. Get Rid of Debt!

Don't Stress about Unhealthy debt. Get Rid of Debt!

Starting out is the hardest part. When you get started and make a budget you might be a little saddened by where your money goes every month. It’s different with everyone. Maybe you spend it eating out, clothes shopping or things. “Things” add up. Make sure you include some “blow” money that you can spend on anything in your budget. Just remember, once the money is gone, it’s gone.

Now that you have figured out that you need some blow money and how much (that is up to you). You are going to need to find out where you can cut some spending. This is a small step in getting out of debt, but it can add up quick if you really tighten up the spending.

Start with the big expenses!

Home Insurance
Car Insurance
Car Payments
Eating Out/Drinking
Clothes
Gifts
Utilities
Daycare
Cell Phone Bill
Home Phone Bill
Cable
YMCA/Country Clubs
Beauty Treatments

This is just a short list of monthly bills to see what you can trim from your budget.