http://www.ncnblog.com/2007/10/08/day-26-of-33-days-and-33-ways-to-save-money-and-reduce-debt-give-yourself-a-pretend-pay-cut/ Debt Reduction Rocks - We Are Living Debt Free! Fri, 21 Nov 2008 02:33:18 +0000 http://wordpress.org/?v=2.6.3 http://www.ncnblog.com/2007/10/08/day-26-of-33-days-and-33-ways-to-save-money-and-reduce-debt-give-yourself-a-pretend-pay-cut/#comment-131480 Live on Less Income - Voluntarily Give Yourself a Paycut | Cash Money Life Mon, 13 Oct 2008 03:38:12 +0000 http://www.ncnblog.com/2007/10/08/day-26-of-33-days-and-33-ways-to-save-money-and-reduce-debt-give-yourself-a-pretend-pay-cut/#comment-131480 [...] This article was inspired by the article: Give Yourself a (Pretend) Paycut, which was featured on personal finance blog No Credit Needed. This article is part of a series NCN [...] [...] This article was inspired by the article: Give Yourself a (Pretend) Paycut, which was featured on personal finance blog No Credit Needed. This article is part of a series NCN [...]

]]> http://www.ncnblog.com/2007/10/08/day-26-of-33-days-and-33-ways-to-save-money-and-reduce-debt-give-yourself-a-pretend-pay-cut/#comment-60492 Anitra Tue, 11 Dec 2007 18:39:30 +0000 http://www.ncnblog.com/2007/10/08/day-26-of-33-days-and-33-ways-to-save-money-and-reduce-debt-give-yourself-a-pretend-pay-cut/#comment-60492 We do more of the "Don't Give Yourself A Raise", here. If we had a drastic cut in pay, it would be because one spouse lost their job (voluntarily or not), and that person not working would give us the resources we need to further cut our spending - getting rid of a car, cooking every meal from scratch rather than pre-made boxed/frozen meals, less computer/internet expenses, etc. We can't do any of that now. We do more of the “Don’t Give Yourself A Raise”, here. If we had a drastic cut in pay, it would be because one spouse lost their job (voluntarily or not), and that person not working would give us the resources we need to further cut our spending - getting rid of a car, cooking every meal from scratch rather than pre-made boxed/frozen meals, less computer/internet expenses, etc. We can’t do any of that now.

]]> http://www.ncnblog.com/2007/10/08/day-26-of-33-days-and-33-ways-to-save-money-and-reduce-debt-give-yourself-a-pretend-pay-cut/#comment-39182 The Sunday Review #42 Sun, 14 Oct 2007 21:48:17 +0000 http://www.ncnblog.com/2007/10/08/day-26-of-33-days-and-33-ways-to-save-money-and-reduce-debt-give-yourself-a-pretend-pay-cut/#comment-39182 [...] Give Yourself A (Pretend) Pay Cut by NCN @ No Credit Needed. [...] [...] Give Yourself A (Pretend) Pay Cut by NCN @ No Credit Needed. [...]

]]> http://www.ncnblog.com/2007/10/08/day-26-of-33-days-and-33-ways-to-save-money-and-reduce-debt-give-yourself-a-pretend-pay-cut/#comment-39131 Sunday Money Roundup - Why, Eric Gagne, Why Edition. | My Two Dollars Sun, 14 Oct 2007 15:01:01 +0000 http://www.ncnblog.com/2007/10/08/day-26-of-33-days-and-33-ways-to-save-money-and-reduce-debt-give-yourself-a-pretend-pay-cut/#comment-39131 [...] Credit Needed continues his series Day 26 of 33 Days And 33 Ways To Save Money And Reduce Debt with Give Yourself A (Pretend) Pay Cut. I couldn’t agree [...] [...] Credit Needed continues his series Day 26 of 33 Days And 33 Ways To Save Money And Reduce Debt with Give Yourself A (Pretend) Pay Cut. I couldn’t agree [...]

]]> http://www.ncnblog.com/2007/10/08/day-26-of-33-days-and-33-ways-to-save-money-and-reduce-debt-give-yourself-a-pretend-pay-cut/#comment-38680 A Sudden Resignation, Collection Agency Calls, and Blog Action Day! @ The Roundup Sat, 13 Oct 2007 16:14:51 +0000 http://www.ncnblog.com/2007/10/08/day-26-of-33-days-and-33-ways-to-save-money-and-reduce-debt-give-yourself-a-pretend-pay-cut/#comment-38680 [...] Credit Needed: NCN offers a challenge: how about pretending you received a pay cut? Then see how well you live on your smaller income. Chances are, you’ll be just fine and [...] [...] Credit Needed: NCN offers a challenge: how about pretending you received a pay cut? Then see how well you live on your smaller income. Chances are, you’ll be just fine and [...]

]]> http://www.ncnblog.com/2007/10/08/day-26-of-33-days-and-33-ways-to-save-money-and-reduce-debt-give-yourself-a-pretend-pay-cut/#comment-38603 Roundup for the Week Ending October 13 on Consumerism Commentary: A Personal Finance Blog Sat, 13 Oct 2007 13:36:25 +0000 http://www.ncnblog.com/2007/10/08/day-26-of-33-days-and-33-ways-to-save-money-and-reduce-debt-give-yourself-a-pretend-pay-cut/#comment-38603 [...] Give Yourself a (Pretend) Pay Cut. “What would happen if your boss came into your office tomorrow morning, and told you that your salary had been reduced by 15%?” [No Credit Needed]. [...] [...] Give Yourself a (Pretend) Pay Cut. “What would happen if your boss came into your office tomorrow morning, and told you that your salary had been reduced by 15%?” [No Credit Needed]. [...]

]]> http://www.ncnblog.com/2007/10/08/day-26-of-33-days-and-33-ways-to-save-money-and-reduce-debt-give-yourself-a-pretend-pay-cut/#comment-38121 33 Days And 33 Ways To Save Money And Reduce Debt Fri, 12 Oct 2007 02:09:11 +0000 http://www.ncnblog.com/2007/10/08/day-26-of-33-days-and-33-ways-to-save-money-and-reduce-debt-give-yourself-a-pretend-pay-cut/#comment-38121 [...] Day 26 of 33 Days And 33 Ways To Save Money And Reduce Debt: Give Yourself A (Pretend) Pay Cut [...] [...] Day 26 of 33 Days And 33 Ways To Save Money And Reduce Debt: Give Yourself A (Pretend) Pay Cut [...]

]]> http://www.ncnblog.com/2007/10/08/day-26-of-33-days-and-33-ways-to-save-money-and-reduce-debt-give-yourself-a-pretend-pay-cut/#comment-37889 Diolla Wed, 10 Oct 2007 17:46:52 +0000 http://www.ncnblog.com/2007/10/08/day-26-of-33-days-and-33-ways-to-save-money-and-reduce-debt-give-yourself-a-pretend-pay-cut/#comment-37889 I did this right after my ex and I separated. I downsized in home and poured over every bill to see where I could cut. By not having unrealistic expectations of where I would be with only one income I have managed to become debt free, except a small mortgage, pay for my sons orthodontia, fund retirement accounts, take a 5 day cruise and spend a week at Disney World. If I had continued with the 'status quo' I would have been in financial hell by now. I did this right after my ex and I separated. I downsized in home and poured over every bill to see where I could cut. By not having unrealistic expectations of where I would be with only one income I have managed to become debt free, except a small mortgage, pay for my sons orthodontia, fund retirement accounts, take a 5 day cruise and spend a week at Disney World. If I had continued with the ’status quo’ I would have been in financial hell by now.

]]> http://www.ncnblog.com/2007/10/08/day-26-of-33-days-and-33-ways-to-save-money-and-reduce-debt-give-yourself-a-pretend-pay-cut/#comment-37729 Bertine Tue, 09 Oct 2007 18:54:25 +0000 http://www.ncnblog.com/2007/10/08/day-26-of-33-days-and-33-ways-to-save-money-and-reduce-debt-give-yourself-a-pretend-pay-cut/#comment-37729 I do the "Don't Give Yourself a Pay Raise" and it is a pretty painless way to save. I do the “Don’t Give Yourself a Pay Raise” and it is a pretty painless way to save.

]]> http://www.ncnblog.com/2007/10/08/day-26-of-33-days-and-33-ways-to-save-money-and-reduce-debt-give-yourself-a-pretend-pay-cut/#comment-37727 JACK Tue, 09 Oct 2007 18:35:34 +0000 http://www.ncnblog.com/2007/10/08/day-26-of-33-days-and-33-ways-to-save-money-and-reduce-debt-give-yourself-a-pretend-pay-cut/#comment-37727 Anything that helps get you to seriously look at whether certain spending habits are necessary is a great idea. I think the corollary to this (which you have probably done before) is "Don't Give Yourself a Pay Raise". I find that a lot of people get into as much trouble through "lifestyle inflation". I long ago decided that I had hit a comfortable spot and decided to not include any pay raises into my budget. Any I have gotten (and sadly hasn't been many) go straight to savings and investments. Anything that helps get you to seriously look at whether certain spending habits are necessary is a great idea. I think the corollary to this (which you have probably done before) is “Don’t Give Yourself a Pay Raise”. I find that a lot of people get into as much trouble through “lifestyle inflation”. I long ago decided that I had hit a comfortable spot and decided to not include any pay raises into my budget. Any I have gotten (and sadly hasn’t been many) go straight to savings and investments.

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