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…
Category: 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,…
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…