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
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
... See moreJoanneh 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
... See moreJoanneh Nagler • The Debt-Free Spending Plan: An Amazingly Simple Way to Take Control of Your Finances Once and for All
Cutting is about becoming reasonable with your Bills and Daily Needs so that you can keep more of your cash for what you
Joanneh Nagler • 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
There’s nothing that gets us into huge amounts of debt faster than special-event debting.
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
How come so many accounts? Because we’re debtors, and if we leave all of our savings in one account, we’re sure to spend it on something other than what we really want—meaning we’ll deprive ourselves again. When we deprive ourselves, our propensity for debting just grows. So we fund, in cash savings, what’s truly meaningful to us. Even if the big-t
... 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
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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