Budget, Cash, Money Management

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 try to be thorough.  We…

Continue Reading

Budget

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 of paycheck-to-paycheck. Before I proceed,…

Continue Reading

Budget, Frugality

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 possible channel. I have basic…

Continue Reading