The Debt-Free Spending Plan: An Amazingly Simple Way to Take Control of Your Finances Once and for All
Joanneh Nagleramazon.com
The Debt-Free Spending Plan: An Amazingly Simple Way to Take Control of Your Finances Once and for All
Remember the Kenneth Blanchard adage: “Our amends are made in changed behavior.”
Joanneh Nagler • The Debt-Free Spending Plan: An Amazingly Simple Way to Take Control of Your Finances Once and for All
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 li
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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
... See moreJoanneh Nagler • The Debt-Free Spending Plan: An Amazingly Simple Way to Take Control of Your Finances Once and for All
All of your “Necessities” are covered in two categories: Bills and Daily Needs. All it requires is that you add and subtract. The format is crafted around a simple question: How much do you have, how much do you need, and what do you have left over?
Joanneh Nagler • The Debt-Free Spending Plan: An Amazingly Simple Way to Take Control of Your Finances Once and for All
Once we know it is a gift, we accept (or not) graciously, and we apply the One-Third Windfall Money Rule. That is, one-third of the amount goes to debt repayment, one-third goes to Savings accounts, and one-third goes to Fun Money or anything else we choose.
Joanneh Nagler • The Debt-Free Spending Plan: An Amazingly Simple Way to Take Control of Your Finances Once and for All
The ING Direct and Emigrant savings accounts pay a decent interest rate without fees or minimum balances.
Joanneh Nagler • The Debt-Free Spending Plan: An Amazingly Simple Way to Take Control of Your Finances Once and for All
Always have clarity about what things cost, and always get clear quotes before you commit. My rule for myself is simple: I get three contrasting quotes for any major purchase.
Joanneh Nagler • The Debt-Free Spending Plan: An Amazingly Simple Way to Take Control of Your Finances Once and for All
we avoid letting the unsolved problem sit there so we can size up its dimensions, feel what we feel, and then proceed thoughtfully. So my suggestion is simple: When you begin to address money issues with your partner, don’t come to the table with all of the answers. In fact, don’t come with any answers. Just open up the topic for viewing, discussin
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Our Daily Needs—and even our Bills, for that matter—need to be proportional to the amount of money we bring home every month.