Comments on: How I Control Cash Spending http://www.ncnblog.com/2007/02/08/how-i-control-cash-spending/ Debt Reduction Rocks - We Are Living Debt Free! Sat, 21 Nov 2009 11:44:22 -0800 http://wordpress.org/?v=2.8.6 hourly 1 By: Getting Relief from Credit Card Debt http://www.ncnblog.com/2007/02/08/how-i-control-cash-spending/comment-page-1/#comment-179312 Getting Relief from Credit Card Debt Fri, 06 Nov 2009 03:45:48 +0000 http://www.ncnblog.com/2007/02/08/how-i-control-cash-spending/#comment-179312 [...] that worked for many people is an envelope system. Use either a physical envelope budgeting method and take out money you need to eat, tolls, etc. [...] [...] that worked for many people is an envelope system. Use either a physical envelope budgeting method and take out money you need to eat, tolls, etc. [...]

]]> By: sfordinarygirl http://www.ncnblog.com/2007/02/08/how-i-control-cash-spending/comment-page-1/#comment-50958 sfordinarygirl Thu, 15 Nov 2007 18:12:22 +0000 http://www.ncnblog.com/2007/02/08/how-i-control-cash-spending/#comment-50958 I've been late with my credit card payments, hit by bank fees and completely disorganized with the plastic. I read your post for a guide on how to get started on the envelope system and it's really motivating me to get back on track. I started today using envelopes (payday) and am hoping this will set me straight again. Thanks! I’ve been late with my credit card payments, hit by bank fees and completely disorganized with the plastic. I read your post for a guide on how to get started on the envelope system and it’s really motivating me to get back on track. I started today using envelopes (payday) and am hoping this will set me straight again. Thanks!

]]> By: Tespero http://www.ncnblog.com/2007/02/08/how-i-control-cash-spending/comment-page-1/#comment-852 Tespero Sun, 18 Feb 2007 14:10:46 +0000 http://www.ncnblog.com/2007/02/08/how-i-control-cash-spending/#comment-852 Like perhaps most Americans at this point in time, I am overworked, underpaid, constantly in the car, and have to do much of my banking from my cellular modem and laptop from somewhere. Controlling what I am doing, or even fully grasping what I am doing, seems impossible. One of my goals is to simply do my banking accurately and pay my bills on time in order to avoid extra charges. One would think this would be a given, but I am literally so pressured that it is difficult to be accurate. I am going to have to get yet another job in order to pay down my debt. Sleep deprivation will become my friend, but in the end, it will be worth it. It's not like I drive a fancy car, live in an expensive house, go on cruises or own diamonds on rubies. My debt has accumulated largely because it costs too much to live in the country right now. I am casting a wayward eye toward living in Puerto Rico or Costa Rica, and riding a donkey into town as a lifestyle alternative. I am very grateful that this website exists. It will make possible what I have tried to do for years, but only lacked a rudder. Tespero Like perhaps most Americans at this point in time, I am overworked, underpaid, constantly in the car, and have to do much of my banking from my cellular modem and laptop from somewhere. Controlling what I am doing, or even fully grasping what I am doing, seems impossible.

One of my goals is to simply do my banking accurately and pay my bills on time in order to avoid extra charges. One would think this would be a given, but I am literally so pressured that it is difficult to be accurate.

I am going to have to get yet another job in order to pay down my debt. Sleep deprivation will become my friend, but in the end, it will be worth it.

It’s not like I drive a fancy car, live in an expensive house, go on cruises or own diamonds on rubies. My debt has accumulated largely because it costs too much to live in the country right now. I am casting a wayward eye toward living in Puerto Rico or Costa Rica, and riding a donkey into town as a lifestyle alternative.

I am very grateful that this website exists. It will make possible what I have tried to do for years, but only lacked a rudder.

Tespero

]]> By: Tight Fisted Miser http://www.ncnblog.com/2007/02/08/how-i-control-cash-spending/comment-page-1/#comment-640 Tight Fisted Miser Tue, 13 Feb 2007 22:16:56 +0000 http://www.ncnblog.com/2007/02/08/how-i-control-cash-spending/#comment-640 Couldn't you just use regular envelopes for this? What is the advantage of the executive envelope system? Couldn’t you just use regular envelopes for this? What is the advantage of the executive envelope system?

]]> By: Lazy Man and Money http://www.ncnblog.com/2007/02/08/how-i-control-cash-spending/comment-page-1/#comment-506 Lazy Man and Money Fri, 09 Feb 2007 19:59:56 +0000 http://www.ncnblog.com/2007/02/08/how-i-control-cash-spending/#comment-506 Isn't this basically Deal-a-Meal with money instead of food? Hmmmm, I sense a cross over with No. Calories Needed :-). Isn’t this basically Deal-a-Meal with money instead of food? Hmmmm, I sense a cross over with No. Calories Needed :-) .

]]> By: Mark http://www.ncnblog.com/2007/02/08/how-i-control-cash-spending/comment-page-1/#comment-505 Mark Fri, 09 Feb 2007 18:27:57 +0000 http://www.ncnblog.com/2007/02/08/how-i-control-cash-spending/#comment-505 I have the opposite approach of most people, the cash system does not work for me. If I have cash on hand, that money has already been spent in my head because it is not in the checking account anymore. Therefore, I tend to spend it rather carelessly because it is not hitting my register when I spend it. On the flip side, when I use my debit card, I feel the pain because I see my checking account balance going down. I have the opposite approach of most people, the cash system does not work for me. If I have cash on hand, that money has already been spent in my head because it is not in the checking account anymore. Therefore, I tend to spend it rather carelessly because it is not hitting my register when I spend it. On the flip side, when I use my debit card, I feel the pain because I see my checking account balance going down.

]]> By: Tight Fisted Miser http://www.ncnblog.com/2007/02/08/how-i-control-cash-spending/comment-page-1/#comment-502 Tight Fisted Miser Fri, 09 Feb 2007 16:18:45 +0000 http://www.ncnblog.com/2007/02/08/how-i-control-cash-spending/#comment-502 missiondebtfreedom: You spent $600 on groceries? You must have a large family. That's 6 months of groceries for me. missiondebtfreedom: You spent $600 on groceries? You must have a large family. That’s 6 months of groceries for me.

]]> By: The Simple Dollar » The Simple Dollar Morning Roundup: Four’s Company Edition http://www.ncnblog.com/2007/02/08/how-i-control-cash-spending/comment-page-1/#comment-501 The Simple Dollar » The Simple Dollar Morning Roundup: Four’s Company Edition Fri, 09 Feb 2007 13:31:12 +0000 http://www.ncnblog.com/2007/02/08/how-i-control-cash-spending/#comment-501 [...] How I Control Cash Spending The envelope system is a really strong way to get started if you’ve never tried budgeting before. (@ no credit needed) [...] [...] How I Control Cash Spending The envelope system is a really strong way to get started if you’ve never tried budgeting before. (@ no credit needed) [...]

]]> By: Quang http://www.ncnblog.com/2007/02/08/how-i-control-cash-spending/comment-page-1/#comment-498 Quang Fri, 09 Feb 2007 07:07:59 +0000 http://www.ncnblog.com/2007/02/08/how-i-control-cash-spending/#comment-498 Hey NCN, nice post, never heard of the envelope system before but it does sound like it works. Thanks for the tip. =] Usually I take out a chuck of cash each week for 'expenses' but I don't further allocate that cash- I'll have to think about this envelope system... Hey NCN, nice post, never heard of the envelope system before but it does sound like it works. Thanks for the tip. =] Usually I take out a chuck of cash each week for ‘expenses’ but I don’t further allocate that cash- I’ll have to think about this envelope system…

]]> By: mapgirl http://www.ncnblog.com/2007/02/08/how-i-control-cash-spending/comment-page-1/#comment-496 mapgirl Fri, 09 Feb 2007 05:12:06 +0000 http://www.ncnblog.com/2007/02/08/how-i-control-cash-spending/#comment-496 Thanks for the post NCN. I don't have a family or spouse like you do, but these kinds of posts do end up helping motivate me or think about what I'm doing with my money. (Lately, I've been trying the little notebook to record all cash outlays.) Thanks for the post NCN. I don’t have a family or spouse like you do, but these kinds of posts do end up helping motivate me or think about what I’m doing with my money. (Lately, I’ve been trying the little notebook to record all cash outlays.)

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