Category Archives: Budget
Structure And Freedom
Over the years I have learned the true value of creating structure and following a routine. My wife and I use the following structured systems to control spending, plan for saving, and manage our finances. Monthly Calendar – Each month we sit down and plan out that month’s events and scheduled activities. We brainstorm and [...]
Getting One Month Ahead
One of the things that I disliked the most about life pre-No Credit Needed was the pressure of living paycheck-to-paycheck. Prior to getting serious about managing our finances, I struggled, always living on that fine line between just-enough and flat-broke. One of the joys of my current lifestyle is that I have broken the cycle [...]
Firmly Standing On The Middle Ground
As I sat down tonight to work on our budget for February – using the awesome You Need A Budget – I noticed something: I stand rather firmly on the middle ground. Allow me to explain – There are some folks who choose to live without television. There are some folks who pay for every [...]
How To Save Money For A Mid-Range Goal
I am not a fan of borrowing money, so it’s important that I plan for and save for mid-range goals. I would define a mid-range goal as any major purchase or expense that I might have to make in the next 2 to 5 years. Right now, we’re focusing on saving enough money to buy [...]
