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Preview: Comments on: The Spending Plan: Budgeting for Non-Budgeters

Comments on: The spending plan: Budgeting for non-budgeters

personal finance that makes cents

Last Build Date: Mon, 18 Dec 2017 02:14:58 +0000


By: Ed Lasik

Tue, 23 Jul 2013 12:18:35 +0000

This post is very cool. It reminds me of my close neighbor Sammy who always kept talking about this. I am going to forward this post to him - I am absolutely sure he will enjoy reading it. Thank you for sharing with us.

By: albert

Wed, 23 Feb 2011 15:26:54 +0000

i love u

By: John

Fri, 19 Jun 2009 20:36:36 +0000

I'm an avid Dave Ramsey follower: I've always been careful about spending, have stayed clear of dept, own not a single credit card, and am working to pay off the home mortgage quickly while saving for retirement and the kidâ€(image) s college funds. However, my plan is still not working. The reason?: All the budgeting in the world will get you nowhere until your partner is on board. Mine? Sheâ€(image) s a free spirit who could care less about the finances. But I must admit - Her disinterest says more about me than her. Together and recently we've started to again address the ugly "B" word. It's taking sacrafice and alot of "give and take". Word of caution to those just starting out – work hard on your budget, but work harder with your partner. It ain't easy...

By: Ask the Readers: Where’s the Fun in Personal Finance? ? Get Rich Slowly

Fri, 10 Apr 2009 12:00:53 +0000

[...] myself as an example, I do not like to budget. So I don’t. I use a rough spending plan as a guide, but I don’t force myself to “stay within the lines”. Nor do I like to [...]

By: Brad

Wed, 01 Apr 2009 16:37:49 +0000

I just want to say "Thank you!". I came across the blog, and ended up reading most of your articles and subscribing to your RSS feed. My debt has been piling up for a few years now, and I am in a VERY similar financial situation that you were in before you took action. I have a slight knowledge about what I'm doing with my money, but like you said, passive blocks have been in the way, and just really a lack of being 100% aware, culminated with the weight of the burden itself. So thank you for showing me IT CAN be done! I've already paid off one of my credit cards today with some of the money I had in savings, and made a big payment on another high interest card. You have inspired action, and given me hope that maybe there is light at the end of the tunnel after all =)

By: rae

Wed, 19 Nov 2008 18:14:35 +0000

PLEASE could someone please tell me how to figure out Quicken! I've done the online tutorial and still am clueless. We've used it for years to keep track of cleared checks - where they went -- and present a printout to our accountant at year's end, and that works fine. But I am not able to use any other features, really. No one else here has complained about it, so I guess my Tech IQ is just very low. The balances of accts. are never correct, everything is all wacko and wrong. I am tempted to just buy 2009 and completely start over, like a fresh program...should I do that? Probably, it would just export the old info into the new, I suppose, and I'd still be all off. I have done an online search for Quicken "tutors" or trouble-shooters; I wish there were someone trustworthy that I could hire to come over and just re-do the whole thing; fix it all, set up my accts. and budgets and make it all look right. It seems very complicated, and I'm exasperated. I think I'll try But, and I know this sounds silly, I really like the colors and style and layout of Quicken. I upgraded to '08 recently hoping it would magically resolve other problems, but of course, it didn't. I know it's me, not the program. I just don't understand what to do to organize it. Still, where to get help? It's seems too much and cumbersome and detailed to call and ask the company, and I feel dumb. I think I'd enjoy budgeting if I could just figure out how to get my info/acct. all straight on Quicken.

By: jj

Tue, 02 Sep 2008 13:11:19 +0000

It doesn't stop to impress me how people are so in debt in the USA. I don't owe anything to anybody. If I can't afford something I simply don't buy it, or save to afford it later. It is *that simple* to stay out of debt. I do have cards, but they're just a way to pay, not a fake source of money. Of course one might need to get a loan for a house or a car but, anything else?! nah. It does help to have a good public transport infrastructure to avoid spending money on a car and its fuel (and insurance, and, and,...). Or just walk or take the bike. It is amazing how many people take their cars or motorbikes to drive a few blocks down the street, spending more time looking for a parking place than what it would have taken to just walk down the street. I guess these small differences are the reason why people are so obsessed with money in the USA.

By: Dave

Fri, 18 Jul 2008 15:51:33 +0000

Some complain that they don't have enough and that they can't make it on the income they have. Living on $43 a month has not been an easy thing to do, but I have lived this way for the last ten years. I made the decision live on this drasitcally reduced income knowing full well the consequences. Many people have asked me how I did it? I may save that for a book, but the short answer is not something most Americans like to hear--you don't do anything, you don't have anything (except the bare basics). There was no money for a phone, so I went without a phone; no car, no travel, no cable, no internet. In short there was no amendities of any kind. Why did this kind of life appeal to me? That too has a long answer, but I wanted to write. I love writing and I am a pretty good artist too. I did it because I wanted to live the life I dreamed of having--of being a writer and illustrator of my own books. My dream came true. Those six books and drawings and illustrations to accompany them did materialize and I am very proud of them. The one thing I needed though to turn them into something profitable was money. I needed money to send the manuscripts, contact an agent, do all the things that one does to get published. I have yet to find a publisher or an agent, but I am confident that one day my books will reach the market. It was only two weeks (early July) ago I realized that my job as a writer was done. Well, at least as far as the goals I had originally set for meself. I had not been in the workforce for a long while, but I obtained a job as a school bus driver. I am committed to solving the problem of getting an agent or publisher. If I have to obtain two or three jobs, then so be it. My task now is to become published. Maybe one day I can go back to being the full-time writer that I was born to be, but for now, I want to pursue publication. Before I go, I wanted to take a second and thank all the people who have been there for me. In many ways my goals would not have been accomplished without their emotional support. The decisions I have made has been hard on some of them, and for that I ask for your forgiveness. You have understood what might have seemed crazy at the time. All of you have my deepest appreciation and heart felt thanks. Maybe one day I can make it all up to you by flying us all to Hawaii for a week of fun. I imagine that would be a great time. I pray for a good publisher. Thanks for letting me share in this post. I wish you all well in whatever endeavors you take up, and wish you prosperity. Take care.

By: Mel

Wed, 02 Jul 2008 15:02:30 +0000

I marked this new year by attempting to adhere to SOME sort of budget. My current situation is not unlike your previous years in debt. A few months ago, I started writing down on my entry-door whiteboard EVERY SINGLE PENNY I spent. Needless to say, those purple dollar signs (and commas, ACK!) stared me in the face every single entry or exit through the front door. I'm ready to upgrade to a new program -- now that I see where I am able to cut back on those frivolous expenses -- ones I never realized were cutting grossly into my budget! And not be so frightened by all those numbers in red when I've attempted to use a computer-based program in the past. Your site has given me a chance to find a lot of tools that work for ME -- instead of just ignoring my spending/budget habits. Thanks for the great info!