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  1. Education
    Hello everyone! I've been a long-time reader and I've finally joined. :) My husband's younger sister and brother will be moving in with us next summer. My husband and I are 25, with no kids of our own and very little experience with kids. His sister will be in 8th grade her first school year...
  2. Debt Reduction & Money Management
    My sweet heart and I will be married next month. We pay our bills on time and have money left over to provide for our needs and some of our wants. We are doing fine by most standards, but I feel we can do better. We want to have children soon after we are married and need to make sure we have a...
  3. 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...
  4. Dave Ramsey
    Hi all, Great Forum, lots of useful information, I joined yesterday and i am hooked. Can anyone recommend any site from which i can download a budgeting website, or a previous thread here. i tried looking but didnt find. Thanks all.
  5. Debt Reduction & Money Management
    Hi everyone, I'm back on FV with baby #3 on the way, and while my husband and I are obviously thrilled about this precious gift, I also cannot help but slightly panic about what this means for our financial situation. First, some background: - For the past couple of years, since the birth of...
  6. Debt Reduction & Money Management
    First of my MIL is the sweetest woman in the world. I have done tons of orders for her off of ebay the last few years. For quite a while she didnt pay me until the order came and that got expensive! One week my checking was pretty low and she had a big order. MY savings is not tied to my...
  7. Dave Ramsey
    So we go by 2 paychecks (hubby is the only one with an income). So our new month starts tomorrow. So our checking account was getting low-ish, a few hundred in there, and I knew that, so we were being very careful with the card. When the mortgage came out automatically on the 1st and another...
  8. Debt Reduction & Money Management
    How much of my income should be left after expenses, or how much should I be saving? I've heard 10% is a good number. Is that 10% of gross or net? Should I be saving more? Is less acceptable? How much should I be spending on housing? I'm considering buying my first house. I've heard 29%-41% of...
  9. Debt Reduction & Money Management
    Hi Y'all! I am happy to announce that we are ahead of the game for now! We have our Jan. mortgage payment paid and all our December bills are done, Christmas presents are purchased and I still have 1,000 left in the account! I have another 1,000 emergency fund in a seperate bank, as well as a...
  10. Debt Reduction & Money Management
    DH and I have two different currencies ($ and €) and it is starting to get difficult to budget for things. All of our budgeting is done in € except for retirement which is in $. We only spend € on a daily basis, and our savings are budgeted in €. Almost all our income is in € but we have...
  11. Just Tips
    Simple Budgeting for Lazy People by Leo Babauta. - My Idol and anyone can borrow posts! He says so right on his blog :cloud9: I haven’t written about finances in awhile, because these days I barely think about them. That’s because for several years, I focused on getting out of debt — and...
  12. Debt Reduction & Money Management
    Just wondering if anyone is familar with this software?
  13. General Chat
    Hi all. I am a M/37 married with one child. We both have good jobs but are completely miserable with them. Our objective is to sock away as much cash as we can so we can live the life we want to live! Glad to be on this forum and look forward to learning more about frugality.
  14. Debt Reduction & Money Management
    I've read a few threads and there are some people here that are great at budgeting. I was just wondering if anyone want to help me out? I budget every month, and track every cent. I'm just looking for some input! It's me and my daughter, a full time daycare child and two part time, a cat and a...
  15. Debt Reduction & Money Management
    I use Quicken to keep track of my accounts. I am having trouble with one aspect of my budget. My daughter is in college and has a trust (courtesy of late grandparents) that covers her expenses. In addition some of my son's expenses, such as an expensive band trip, are covered by his portion...
  16. Debt Reduction & Money Management
    Hello everyone! I hope you all had a wonderful Christmas and New Years! My wife and I have been on Dave Ramsey's plan for a short while now and we've been budgeting each month for the past year. As any startup budget goes, it changes month to month to better suite us as we learn and find...
  17. Debt Reduction & Money Management
    On the monthly budgeting worksheet I've been using there are numerous categories with various items under those categories (i.e., Automobile is divided into Gas, Insurance, Maintenance/Repairs, Payments, and then there are blank spaces for you to fill in other subdivisions). The worksheet has...
  18. Debt Reduction & Money Management
    I am curious what your budgets look like--do you use an Excel spreadsheet? A Franklin Covey money management system (or something similar)? Some other computer software? And how do you do a year-long budget? Do you use a calendar to track when things are due? I'm thinking that I should do a...
  19. Debt Reduction & Money Management
    Hi All, I need a little help. I'm trying to create a new budget, but I have sticky wicket to put in there. I'm trying to save for and budget in tuition for school. I haven't actually started yet, but will be in the future. I don't have an exact number for tuition yet, nor books or other...
  20. Debt Reduction & Money Management
    And I also can't figure out how to search for it. It sounds like an interesting idea, but I just keep catching oblique references to it, not any "how to". Is this just an older post I'm not seeing?
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