Category Archives: Budget
You Need A Budget – Success Story From NCN Reader James – YNAB
No Credit Needed reader, James, uses the You Need A Budget budgeting system to manage his household finances. He recently sent me an awesome email and I’m happy to share it with you: I don’t believe that I have ever taken the opportunity to thank you for mentioning YNAB on your blog. For it was [...]
How We Organize Our Finances
Here’s a quick rundown of how we organize our finances and our financial documents – Extremely Important Documents – We keep our tax returns, marriage license, birth certificates, car titles, etc. in a fire-proof safe. I have friends who keep such documents off-site in a safety-deposit box. The fire-proof safe works for us. I also [...]
What Works For Me – Budget Categories
There are dozens of budgeting products on the market. I’m partial to the You Need A Budget system, but there are other great systems available. Find a system that works with you, fine tune it to meet your needs, and then use your budget as a tool. After selecting a budgeting system, it’s important to [...]
10 Things To Do Before Creating Your Next Budget
Before you create your next budget or monthly spending plan – 1. Track your spending for one month. Use a spreadsheet, pen and paper, or online software, and track your spending for one month. Track all payments – including those made by check, debit card, cash, (and credit card, if you choose to use one). [...]
