Comments on: What One Area Of Your Personal Finance Management Would You Like To Improve? http://www.ncnblog.com/2008/02/15/what-one-area-of-your-personal-finance-management-would-you-like-to-improve/ Debt Reduction Rocks - We Are Living Debt Free! Fri, 21 Nov 2008 19:29:26 +0000 http://wordpress.org/?v=2.6.3 By: Patrick http://www.ncnblog.com/2008/02/15/what-one-area-of-your-personal-finance-management-would-you-like-to-improve/#comment-89549 Patrick Mon, 18 Feb 2008 04:02:46 +0000 http://www.ncnblog.com/2008/02/15/what-one-area-of-your-personal-finance-management-would-you-like-to-improve/#comment-89549 Hi NCN, I've been spending time this weekend getting my accounts in order. It's never fun to do that kind of maintenance, but it is worth it to know that my wife and I will be on the same page when it comes to all our account information. Thanks for including a link to my article! Hi NCN,

I’ve been spending time this weekend getting my accounts in order. It’s never fun to do that kind of maintenance, but it is worth it to know that my wife and I will be on the same page when it comes to all our account information. Thanks for including a link to my article!

]]> By: Carol M http://www.ncnblog.com/2008/02/15/what-one-area-of-your-personal-finance-management-would-you-like-to-improve/#comment-89542 Carol M Mon, 18 Feb 2008 03:36:28 +0000 http://www.ncnblog.com/2008/02/15/what-one-area-of-your-personal-finance-management-would-you-like-to-improve/#comment-89542 DH and I need to create a budget. And stick to it. We do pretty well, at least I think we do, but it will interesting to see it all in black and white. DH and I need to create a budget. And stick to it. We do pretty well, at least I think we do, but it will interesting to see it all in black and white.

]]> By: Mercedes http://www.ncnblog.com/2008/02/15/what-one-area-of-your-personal-finance-management-would-you-like-to-improve/#comment-89441 Mercedes Sun, 17 Feb 2008 21:11:03 +0000 http://www.ncnblog.com/2008/02/15/what-one-area-of-your-personal-finance-management-would-you-like-to-improve/#comment-89441 I think at could do a better job at saying no to a sale. Lately we've spent extra money buying shoes for my husband because they were on super sale and they were a good brand. While we pay cash for them, these purchases usually leave us tight in our budget for a few days. I would also love to have a Roth IRA for my husband. Right now we only have one for me and his 401K. I think at could do a better job at saying no to a sale. Lately we’ve spent extra money buying shoes for my husband because they were on super sale and they were a good brand. While we pay cash for them, these purchases usually leave us tight in our budget for a few days.
I would also love to have a Roth IRA for my husband. Right now we only have one for me and his 401K.

]]> By: Jilse http://www.ncnblog.com/2008/02/15/what-one-area-of-your-personal-finance-management-would-you-like-to-improve/#comment-89112 Jilse Sun, 17 Feb 2008 00:50:41 +0000 http://www.ncnblog.com/2008/02/15/what-one-area-of-your-personal-finance-management-would-you-like-to-improve/#comment-89112 Hands down we eat out too much. I budget a certain amount for Dining Out and every month without fail we exceed that amount by a lot. I made it a mini-goal of ours this month to stick to our Dining Out budget. We just need to focus and not eat out everytime we get stressed or when our kitchen is dirty. Hands down we eat out too much. I budget a certain amount for Dining Out and every month without fail we exceed that amount by a lot. I made it a mini-goal of ours this month to stick to our Dining Out budget. We just need to focus and not eat out everytime we get stressed or when our kitchen is dirty.

]]> By: Vectorpedia (Rick) http://www.ncnblog.com/2008/02/15/what-one-area-of-your-personal-finance-management-would-you-like-to-improve/#comment-88926 Vectorpedia (Rick) Sat, 16 Feb 2008 16:01:09 +0000 http://www.ncnblog.com/2008/02/15/what-one-area-of-your-personal-finance-management-would-you-like-to-improve/#comment-88926 I think montoring expenses is the greatest challenge of most people in reference to their finances I think montoring expenses is the greatest challenge of most people in reference to their finances

]]> By: Becky http://www.ncnblog.com/2008/02/15/what-one-area-of-your-personal-finance-management-would-you-like-to-improve/#comment-88643 Becky Sat, 16 Feb 2008 02:23:54 +0000 http://www.ncnblog.com/2008/02/15/what-one-area-of-your-personal-finance-management-would-you-like-to-improve/#comment-88643 I could also do a better job with the food costs, both eating out and groceries. I'm good with coupons, but I'm a picky eater and usually prefer the brand-name stuff over the generics. Not good :) I could also do a better job with the food costs, both eating out and groceries. I’m good with coupons, but I’m a picky eater and usually prefer the brand-name stuff over the generics. Not good :)

]]> By: Louise http://www.ncnblog.com/2008/02/15/what-one-area-of-your-personal-finance-management-would-you-like-to-improve/#comment-88634 Louise Sat, 16 Feb 2008 02:05:11 +0000 http://www.ncnblog.com/2008/02/15/what-one-area-of-your-personal-finance-management-would-you-like-to-improve/#comment-88634 For me, it's two things - one is doing a better job anticipating irregular expenses, and the other is reducing the amount we spend on our annual vacation. The irregular expenses are a bit better this year now that we have last year's budget-to-actuals to look at, but there are still unexpected surprises that take us off track. The vacations are because we all enjoy traveling and find it hard to do it on a budget. Or rather, on a low budget - we stay within our limits but our limits are pretty high! For me, it’s two things - one is doing a better job anticipating irregular expenses, and the other is reducing the amount we spend on our annual vacation.

The irregular expenses are a bit better this year now that we have last year’s budget-to-actuals to look at, but there are still unexpected surprises that take us off track.

The vacations are because we all enjoy traveling and find it hard to do it on a budget. Or rather, on a low budget - we stay within our limits but our limits are pretty high!

]]> By: R.J. http://www.ncnblog.com/2008/02/15/what-one-area-of-your-personal-finance-management-would-you-like-to-improve/#comment-88619 R.J. Sat, 16 Feb 2008 00:58:00 +0000 http://www.ncnblog.com/2008/02/15/what-one-area-of-your-personal-finance-management-would-you-like-to-improve/#comment-88619 I agree with Moneymonk, my wife and I tend to have the same problem... Usually around the middle of the month we'll have paid off all our bills and instead of taking what's left over and saving it, we think "Hey, we have money and don't have to pay bills for a while..." And that's how we ended up with our last car. I agree with Moneymonk, my wife and I tend to have the same problem… Usually around the middle of the month we’ll have paid off all our bills and instead of taking what’s left over and saving it, we think “Hey, we have money and don’t have to pay bills for a while…”

And that’s how we ended up with our last car.

]]> By: Nicole http://www.ncnblog.com/2008/02/15/what-one-area-of-your-personal-finance-management-would-you-like-to-improve/#comment-88564 Nicole Fri, 15 Feb 2008 21:36:12 +0000 http://www.ncnblog.com/2008/02/15/what-one-area-of-your-personal-finance-management-would-you-like-to-improve/#comment-88564 I have worked hard to cut down my expenses in all areas and am doing a good job with saving, but the one category of expenses that I still need to cut more is food (groceries, dining out and lunch cost me a lot more than they should as a single person). The problem is planning. One month, recently, I planned in advance and bought all my food at a reasonably priced supermarket (rather than at the last minute at the over-priced deli around the corner). I brought lunch to work every day and made homemade dinners every night for the whole month. I saved hundreds of dollars. But after that month, I started to go back to my old habits. This is the main thing I want to work on right now, because I feel as though the rest of my spending, saving, etc. is going well. I have worked hard to cut down my expenses in all areas and am doing a good job with saving, but the one category of expenses that I still need to cut more is food (groceries, dining out and lunch cost me a lot more than they should as a single person). The problem is planning. One month, recently, I planned in advance and bought all my food at a reasonably priced supermarket (rather than at the last minute at the over-priced deli around the corner). I brought lunch to work every day and made homemade dinners every night for the whole month. I saved hundreds of dollars. But after that month, I started to go back to my old habits. This is the main thing I want to work on right now, because I feel as though the rest of my spending, saving, etc. is going well.

]]> By: Joe http://www.ncnblog.com/2008/02/15/what-one-area-of-your-personal-finance-management-would-you-like-to-improve/#comment-88429 Joe Fri, 15 Feb 2008 17:25:15 +0000 http://www.ncnblog.com/2008/02/15/what-one-area-of-your-personal-finance-management-would-you-like-to-improve/#comment-88429 Get my wife to stop thinking "But I need to buy gifts!" Get my wife to stop thinking “But I need to buy gifts!”

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