What is the best way to create a budget when you’re always getting paid different amounts?

Posted January 31st, 2009

Cindy C asked: What is the best way to create a budget when you’re always getting paid different amounts? My husband works different amounts of hours each week, sometimes 40 and some times as much as 75 so obviously the pay is always different. What is the best way to caluclate a monthly buget? I [...]

What is the easiest way to create a budget that is flexible enought to live upon?

Posted January 31st, 2009

avu* asked: I spend too much money. If I’m desperate to spend, I go through my spare change and use my quarters. Believe me, I have a lot of money in just quarters. But still, for me if I don’t buy something I go crazy. It’s like I have to just [...]

Please help me learn how to create a personal financial budget?

Posted January 30th, 2009

Tryna-Hyde asked: I have finally gotten my husband to agree to put our money together and live consistently from a budget. Trouble is - I don’t know how to work Excel (which I have at home). I hear it’s easy but I’m not having much luck. Does anyone know of any resources available [...]

To Reduce Debt You Must Have a Plan

Posted January 28th, 2009

To reduce debt you must have a plan.
In simplistic terms, debt reduction occurs when you earn more money and spend less.  The trick is to know how to accomplish that task.  The first step to reducing your debt is to make a balance sheet.  You must know what your monthly income is and where your [...]

Hello and Welcome to the Reduce Debt Tips blog

Posted January 10th, 2009

Welcome to our new blog dedicated to providing tips that can help you reduce your debt (and hopefully improve the quality of your life at the same time).
For most of us, debt is one of those “necessary evils” but in today’s economic climate… the less debt you are carrying the better.
If you’re struggling with debt [...]