Friday, October 15, 2010
{Time for a BUDGET!!}
So....I am really, really trying to be money conscience with my everyday spending. I am now listening to Dave Ramsey everyday through the podcast and LOVE IT! It is SO exciting to hear people get out & stay out of debt by making some tough, but awesome decisions. I am also listening to another couple through their podcast, Rebound Podcast. Even though I don't have near the debt some of these people do, I still have life ahead of me and want to be prepared so that I don't have to go into debt. I know at some point I will buy a home, have to purchase a car for Kayleigh, and hopefully (if she so chooses) pay for her education. I'm also sure there will be a billion other "emergencies" and unplanned purchases along the way and I WANT TO BE PREPARED. So, I'm starting NOW. (Actually, I started about a week ago, but the point is I started!)
My online banking system has a tool called "Online Portfolio", which I LOVE. It helps me to keep track of my spending and I can categorize transactions so I know WHERE I am spending my $$. Also, I try to supplement my income with little side things here and there like: earning points (which are converted into cash) through taking surveys at Opinion Outpost, earning points and trading the points in for gift cards at MyPoints (which I just received a $25 Visa Gift card this week...WooHoo!!), I have turned Gold into Cash, I consign Kayleigh's clothes for a few extra bucks, SwagBucks, and I'm starting a new adventure...Secret Shopping! I am excited to be responsible, accountable, and successful!!
Anyone else budgeting these days??
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