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  1. Debt Reduction & Money Management
    https://www.businessinsider.com/personal-finance/extreme-frugality-not-healthy-changed-budget-build-wealth-2021-1 "I used to think extreme frugality would help me build wealth but it did the opposite, so I made 2 changes to my budget and now I'm saving more than ever"
  2. New Member Introductions
    Hello from sunny northeast Florida, just outside of Jacksonville. I hope to use the forum to help answer questions people have about saving money, particularly on Internet resources that help in this regard, something that has helped me saved $5,000+ annually (my only savings). I learned from...
  3. Blog
    Once you get to my age, you’ve probably had one or two loans to your name. Well, maybe more than just a few. There’s the student loans (hey there degree I never ended up using…), home loans, not to mention the long-debated ‘We really do need this new car’ loans or the emergency loans from...
  4. Family
    Hi Frugal Villagers, Can you help me with a relationship difficulty? I find out that money management was a big challenge in my last relationship. The difficulty was to take the time to sit down and plan our budget/spedings together. I easely see the benefits of a well designed budget, but she...
  5. Debt Reduction & Money Management
    I signed up for Mint.com to help me with figuring out where my money goes. I am also going to make a spreadsheet. I would only use the spreadsheet, but knowing myself - I'm afraid I will get lax in filling in the spreadsheet. Does anyone have any tips for using Mint.com? Has it helped you or...
  6. Debt Reduction & Money Management
    We make about 1500 twice a month and for the life of me I can't make a budget work so that we have honey leftover. We live in Dallas in a 2 bedroom apartment and pay 975. Car payments come to 384.. those are the only ones that are fixed and couldnt be changed right now. Could some of you who...
  7. Dave Ramsey
    Finished watching lesson 3 in FPU last night. Did our first official budget. I am the nerd and I am in LOVE with that budget sheet!! I know there will be bumps in the road but we are on the same page and agreed together what goes in each enevelope. What a liberating feeling! I love DR and what...
  8. General Chat
    I know this is bad, but I am having to do a budget for the first time for food. It's just been spend and spend and have no money and wonder where it all went. Well, I'm tired of being broke. I was hoping for help. Based on many calculations, I show that for six people (entire family), I will...
  9. Question and Answer
    Hello all! I am new to this forum so forgive my ignorance if this subject has been discussed at length on this site already. I am currently shopping for an engagement ring and am highly frustrated with how much these little "ornaments" cost. Honestly it seems like that money is better spent...
  10. Frugal Recipes, Leftovers, Budget Meals
    Hi all! I'm a long time lurker and first time poster. My husband was laid off two times in 3 years and after that scary experience, I've decided to really cut expenses where I can so we have more wiggle room should something happen again. We are a family of two adults, two teens, a 10 yo boy...
  11. Dave Ramsey
    My husband just gave me a huge ear full about not spending money and how sick he is of it. I have made it pretty much 1 full year without budgeting "blow money" as dave would call it. We only use unexpected $$ for this topic. My husband is pretty upset about it too so I guess now I have...
  12. Dave Ramsey
    My husband changed jobs last Sept and now is paid salary. I am self employed and my pay can vary quite a bit. Is it best to start with a weekly budget vs a monthly budget? Also, I am locked in on my directv acct , how do I go about getting my bill lowered or out of contract? I believe it is for...
  13. Blog
    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...
  14. Frugal Living
    There are 3 people in our family...and this is an area we can work on...but not sure what to cap it at...we have 4 seasons...a very long 5 month winter...short summer(2 months)...would love to hear some honest answers...thanks so much! Janine
  15. Debt Reduction & Money Management
    We are just a couple of weeks into our project on our new house. We are finishing the rest of the basement and doing painting before we move in. We had a budget of $25K for EVERYTHING. Well, we are already up to $33,800. How did we get so far off? I can't stop thinking about how it's all...
  16. Debt Reduction & Money Management
    Could you help me list any and all budget categories you can think of. So far I have, Rent Cell Life ins Car/tenant ins Education fund Bank fee Car repair Christmas Gifts Out Clothes Weekend Groceries Saving Dd activities Gas What am I missing.
  17. Freebies
    RewardsCountry.com
  18. Frugal Living
    Again, just reading through the old posts, and this comment caught my eye. What do you cut out of the budget when $ is tight?
  19. Family
    Whether you have a new baby on the way and trying to create a nursery that is safe, organized, and colorful or you are trying to create a personalized space for your child to reflect his imagination, decorating a child’s room can not only be stressful and time consuming, but also very expensive...
  20. Dave Ramsey
    I am having a hard time setting up my budget, not for the fact of not knowing what I owe where- but because I am now adding categories that I have not saved for before. For instance furniture replacement, car replacement, etc. If you feel comfortable could you give me the dollar amount for each...
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