Author: Bill

  • How to Create a Budget – Part 4 of 4

    Well here we are at the final segment of How to Create a Budget. This final part includes parting words and a audio visual review of some of the spreadsheets you can find and online personal finance websites you can use to track your finances. There are so many different kinds of budgets out there…

  • How to Create a Budget – Part 3 of 4

    Part 3 – Variable Expenses Hi gang. So up to this point we’ve talked about our income, fixed expenses and non-fixed expenses or non-fixed fixed expenses, stuff we have to pay eventually but not every month. In this post we’ll be talking about variable expenses. These are the expenses in our lives that we can…

  • How to Create a Budget – Part 2 of 4

    Part 2 – Non-Fixed Expenses In How to Create a Budget – Part 1, I talked about using budgets as a guide, listing your income and writing down your fixed expenses like rent or your mortgage payment, utilities, savings, Roth IRA, etc. that occur every month. I also discussed using spreadsheet software like Microsoft Excel…

  • How to Create a Budget – Part 1 of 4

    Well folks here we go on How to Create a Budget – Part 1 of 4 Part 1 – Income and Fixed Expenses Part 2 – Non-Fixed Expenses Part 3 – Variable Expenses Part 4 – The Spreadsheets, Mass Confusion and My Head’s Going to Explode From my point of view, I keep a budget…

  • Don’t Get Caught Up!!

    I used to tell my kids when they were getting close to the ripe old age of independence, around 18 to 21 years of age, “Don’t get caught up in life.” They’d say, “What does that mean?” Then I’d present the list: When you’re in college or just starting out on your own you buy…

  • 7 Scenarios of Money in Marriage

    Here’s 7 scenarios of money in marriage to watch out for and discuss prior to getting married as well as during. 1. If your spouse comes through the door at the end of the day holding a bottle of your favorite soft drink for themselves and not one for you…it’s ok and not the end…

  • New Goals

    Do you do something repetitively every day, every week, every month that you could do without? Well there’s nothing like the present to just stop. For instance, I had a huge addiction a few years back driving through fast food restaurants and ordering the breakfast of the day because I felt like I didn’t have…

  • 3 Saving and Investing Tasks to Keep You on Track

    When you save and invest for the long term, you’ll want to take the time to check how the money you put into savings and investments are doing. Saving and investing for the long term requires more than just starting  an online saving account or investing in a few mutual funds and letting them sit…

  • [Smart Saving and Investing] Comment: “How To Spend $20,000.00”

    New comment on your post #100 “How To Spend $20,000.00” Author : Bill (IP: 147.134.186.204 , 147.134.186.204) E-mail : billstevens2000@gmail.com URL : http://www.smartsavinginvesting.com Whois : http://ws.arin.net/cgi-bin/whois.pl?queryinput=147.134.186.204 Comment: The $1,100.00 brake job turned into 5 hours of labor and $85.00 for parts on the front brakes of Ford. There’s nothing like having someone in your life…

  • Top Ten Reasons To Start Saving Money

    If you’ve recently been paid, make it your goal to open an online savings account at one of the following if you haven’t done so: HSBC Direct or Emigrant Direct or …the online saving account of your choice. There are many online savings account but the purpose of this article is to get going instead…