Budget

NCN, Do You Still Struggle?

I received a really interesting email question: “NCN, I love your blog. I was wondering, do you ever struggle to stay on budget?” My answer? YES! Even though I consider myself to be a pretty disciplined individual (now), I do struggle with overspending. My wife is the “spender” in the family, but I’m the “nerd” who feels that he “deserves” to buy something, as a “reward” for such hard work. I like gadgets. I like expensive gadgets. I’d love to have a big screen HDTV, a brand-new iPod, and a massive home stereo system. Alas, while I could afford these items, I cannot “afford” these items. I have learned to gaze into my future and ask if the product I’m…

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Budget, Resources

You Need A Budget Interview With Jesse By NCN

YNAB Personal Budget I have just received a reply from Jesse from the You Need A Budget site. YNAB is one of the sponsors of No Credit Needed, and I wanted to give you an opportunity to learn more about his spread sheet based budgeting plan. I personally use the YNAB system, and I think that you would benefit from using it. I want to thank Jesse for being an affiliate, and I hope you’ll check the link above or below, and check out his work. Here’s the email interview: 1. How long have you been actively budgeting? When I was in high school I decided to write down everything I spend. After a few months of that I noticed…

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Budget

Simple Simple Simple

Okay, I received an email about my budgeting system. Now, I know that several personal finance bloggers post their actual budgets, but I am not going to do that. I am going to post a very simple, 2 column budget, assuming a 1000 dollar take home. I will use 50 dollars in each category. This IS NOT an actual budget. I am just using these numbers as “place holders” for where you would put your “real” numbers. I just wanted to show how easy a simple, dimple budget can be. Here are the steps for a simple, easy to use budget. 1. First, Start with 2 columns. You can use a spreadsheet program like Excel or just a piece of…

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