The Debt-Free Spending Plan: An Amazingly Simple Way to Take Control of Your Finances Once and for All
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The Debt-Free Spending Plan: An Amazingly Simple Way to Take Control of Your Finances Once and for All
Keep this in mind: What it costs you to be right is your intimacy with others. I can tell you right now that when we blame our partner and think we have all the answers, we are not being honest with ourselves.
Joanneh Nagler • The Debt-Free Spending Plan: An Amazingly Simple Way to Take Control of Your Finances Once and for All
Introducing the Debt-Free Spending Plan The Debt-Free Spending Plan has three basic, simple components: 1. Monthly Bills 2. Daily Needs 3. Savings, Vacation, and Fun Money If we get paid more than once a month, it will also have a Bill-Paying Plan. That’s it. The premise is: We fund our bills (like mortgage or rent) and our daily needs (like
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Cash savings mean you have money choices and life choices. Funding your wants and funding your savings offers you the choice to make the moves in your life that will protect you, support you, enliven you, and relieve you from situations that are not good for you. That’s financial freedom. And you don’t need a million dollars to get it. You can have
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It’s also fine to pay the bills together from one account, and then divide up the Daily Needs cash and Savings money. But I don’t recommend doing that if there’s been angst-ridden debt trouble. Why not? Because inevitably, one partner will tend to opt out of the bill-paying process and dump it all on the other partner, claiming, “I’m just no good
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Type in “smartphone financial apps” in Google or another search engine, and you’ll get a nice long list and plenty of reviews. About.com offers terrific reviews and information on Mint, SplashMoney, Google Wallet, Ultrasoft Money, and more. Some, like Ultrasoft Money, offer an option to reallocate money if you go over your budget categories—much
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You may be thinking, It can’t be that simple. I have news for you: It really is. When you live within your means, you can always put something aside for your wants. You’ve already planned for everything you need. You have a plan for your Bills, a plan for your Daily Needs, a Healthy Reserve, and some Short-Term Savings. And the rest—ta dah!—is for
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It looks like this: On one page: June 26th US$200.00 a day Breakfast 10.00 Drinks 15.00 Snack 12.00 Water 3.00 Snorkeling 35.00 Dinner 60.00 Total 135.00 If we don’t spend our $200 in one day, the extra rolls over to an “extra” page. On the next page: Extra: 7/26 +65.00
Joanneh Nagler • The Debt-Free Spending Plan: An Amazingly Simple Way to Take Control of Your Finances Once and for All
One of these changes is to get your insurance payments (or other quarterly or bi-annual payments) switched to a monthly debit system, preferably with payments that come right out of your checking account. Most car, home, and renter’s insurance companies offer a monthly billing option versus a six- or four-month billing cycle. Even if it costs you
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Revelation: It was truly stunning to realize that I was supposed to have money every month for the things I needed to live. It was even more stunning to realize that when I allotted money for my needs, and spent within my means, I felt great about myself. I could take care of myself on my income, live decently, and live without debt.