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
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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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
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 grocer
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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.
Joanneh Nagler • The Debt-Free Spending Plan: An Amazingly Simple Way to Take Control of Your Finances Once and for All
That means you’re going to have to downsize your sky’s-the-limit expectations in order to live within your means. It means you’re going to have to give up grandiosity and Event-of-a-Lifetime mentality. It means you have to be realistic, honest, and hard-core with yourself about what you have and what that can buy. The good news is you will learn ho
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Why should I try so hard to save for things that I want? Shouldn’t I just spend every dime getting myself out of debt? No. How come? Because you’re learning to live—and live well—on what you earn, on what you bring in. Living within your means and funding what you love to do bring you into the present moment. It generates contentment. It allows you
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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
What we’re creating here is a road map for spending that’s clear as a bell.
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
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