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Budgets are a necessity to keep personal finances in order, but they aren’t necessarily easy to keep.There are plenty of things that can quickly ruin a budget and ruin the best laid financial plans. Here are the top ten things that ruin budgets:

Shopping Hungry or without a Plan of Attack
This one’s obvious — don’t go food shopping hungry and be sure to have a list in hand. Otherwise you’ll blow your budget. Also, carefully consider moving up to larger, economy sized products. ...

Last January, I joined Frugal Village after a very trying Christmas week. I was looking for a way to get our household finances under control. I ordered and read a used copy of Dave Ramsey's Total Money Makeover and was Googling about budgeting and Dave Ramsey when I clicked on a link that brought me here to FV.

The Christmas week was stressful as a medical bill was sent to collections, my husband received a bonus check that was enough to cover the full amount, but I broke down ...

The mail comes, you glance at your bills and drop them in the “To Be Paid” pile. Then, on the appointed day, you write out the checks or direct the online bill pay to do its thing and then you forget about it until next month. In the process of paying your bills, do you really read them? Do you look at all the inserts and read the line by line breakdown of what you owe? Do you look for anything that seems odd? If you just pay your bills on auto-pilot without reading them thoroughly, you may be wasting ...

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I know many people who are followers of Dave Ramsey’s financial advice. Since the economy has tanked, it seems like I’m seeing even more people joining the Dave bandwagon, looking for a way out of the financial messes that they have gotten themselves into. His “Total Money Makeover” and the associated baby steps can be a decent starting point for those who have no idea where to start or who have never tackled financial topics before. It’s simple and fairly easy to follow advice. It may be a bit ...