Late last year, I spent endless hours on Pinterest trying to find the perfect template to set up a household budget worksheet that I could use to organise my house finances. The reason for this, is that I finally decided to separate my personal budget from my household budget. In the past, I’ve always included… Read More »How to Set Up a Household Budget and Stick to It
It’s a fact that emergency funds save lives. Mine has saved me too many times to count and I know that I will lean on it again at some time in the future. In the past I’ve outlined steps on how you can create an emergency fund and I’ve made it a habit to post… Read More »Top Reasons Why Emergency Funds Save Lives
Sometimes families that are surviving on one income are not doing so by choice. People always seem to think that when others are in certain situations, it was done by choice. Some single income households come about because the sole breadwinner is in a financial position to support the entire family quite comfortably. But some… Read More »Overcoming the Challenge of Surviving on One Income
At the end of 2019, I decided that in 2020, I want to simplify the way that I look at a lot of things. One of these things is the way that I budget. When it comes to my finances, I tend to overthink something as simple as budgeting. Over the years, I’ve changed my… Read More »The Simple Budget Worksheet
The end of the year is here and you have a few hours left to get your end of year personal finance must dos in order. There are several websites that provide excellent and detailed suggestions that will help you to start the new financial year on the right foot. Below you will see some… Read More »12 End of Year Personal Finance Must Dos
Merry Christmas to you and yours! Because getting our personal finances in order can be a chore, my gift to you this year is some of the best financial lessons from Christmas movies. To be honest, I’m not the most cheery and merry elf on the shelf, but I love a good Christmas movie. There… Read More »Merry Christmas! Financial Lessons from Your Favourite Christmas Movies
The road to financial prosperity and being debt free can seem quite far away when you’re over $10,000 in debt. Seeing all of those zeroes looking back at you can be scary, if you do not have a plan with a goal. This financial story that I am writing for myself will have a happy… Read More »I’m Over $10,000 in Debt – How the Hell Did That Happen?
A few years ago, I discovered the sinking fund budgeting method on the Daily Money Shot blog. It was in the early days of blogging on Odd Cents and I was an active reader of several personal finance blogs. At that time, I had a rotation of blogs that I used to visit every week… Read More »How I Use Sinking Fund Budgeting to Reduce My Financial Stress
For the last few months I have been in a funk and I know that it has been changing my life in both known and unknown ways. This laziness has crept into my personal finance life and as a result I have been slacking off on my financial tracking. The good news is that I… Read More »The Financial Dangers of Being Lazy
A few years ago, I wrote about life insurance and whether or not it’s worth investing in this type of insurance policy. In that article, I looked at the pros and cons of life insurance and the factors that you should consider before purchasing a policy. What I did not mention, was that you have… Read More »Steps to Take When Estimating Life Insurance Needs