financial control

Tips on gaining more control over your spending habits and your finances in general

Emergency Funds – How Much is Enough?

Financial experts and advisers may not agree on much but they all tend to agree on one thing. You need to have an emergency fund. Common advice is to have between three and six months’ worth of expenses in your emergency fund. The question of the day is how much of an emergency fund is … Continue reading

How to Avoid Common Budget Mistakes

A budget is a great tool to help you reach your financial goals. Nearly everyone in the personal finance world repeatedly beats the budgeting drum, for good reason. Here are some common budget mistakes and how you can avoid them. Not having a budget at all – This of course is obvious. It’s the biggest … Continue reading

Household Budget Formulas

There are a few things in the PF world that I look askance at or at the very least tilt my head to one side much like my dog does when she has no clue what I’m doing. One of them is trying to strictly adhere to percentages or some sort of formula to come … Continue reading

Organizing and Protecting Your Financial Documents

A great deal of personal finance is paperwork. You have pay stubs, bills, insurance papers, bank statements, tax records, loan documents, etc. There are several others that come into play in your financial life that aren’t, strictly speaking, financial documents such as birth certificates, death certificates, marriage certificates, and so on. Fact is, loss of … Continue reading

Money Saving Skills

I’ve done a few posts recently on ways you can save money. They tend to go along the lines of; “cut out this”, “do this instead of that”, “buy this instead of that”, “make it yourself.” There are a couple of money saving skills everyone can hone. In fact, the more you practice them the … Continue reading

Financial Education or Bribery?

I ran across this article on Yahoo today – Is it OK to bribe your kids? I’ll be honest, the article kind of ticked me off. The author is completely missing the boat on this subject by referring it to as bribery. Let me set this up a bit. No one is born with native … Continue reading

Creditcards.com Article

This article on Creditcards.com, 8 Creative Ways to Stay Debt-Free gives some good tips about staying on course financially after you’ve paid off your debt. One of the tips comes from yours truly.

Lesser Known Money Saving Tips

Today’s tips come from another thread on the Saving Advice Forums. I’m only going to talk about the tips that I hadn’t already seen elsewhere. we keep a bucket in our shower to catch the water as we wait for it to heat up. The we use that water for our plants. We catch quite … Continue reading

Another Money Saving Thread to Break Down

Saving Advice is another forum I participate in semi regularly. There is some interesting advice in the thread How do you stretch your money? As before, I’m not going to comment on advice I’ve covered before such as don’t eat out, etc. I use cloth washable napkins instead of paper ones. This is interesting. I … Continue reading

How to Either Save or Earn More Money Each Month via The Finance Forums

I’m a semi-regular participant in The Finance Forums. There’s a thread on there giving several suggestions for saving or making money. You can read the whole thread here – How to either save or earn more money each month. My comments are below. I’ll skip commenting on any of the suggestions that I’ve already covered … Continue reading