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Some Encouraging Words:

Okay you still have hair on your head (well most of you anyway) and you haven’t thrown in the towel quite yet. I promised you it would get better and I am going to share today some of the positive experiences I have personally seen while going through this process.

I too created a budget, set up envelopes and gave up many things that I wish I could have kept. I knew that in order to be successful I had to give 100% to this process and for ...

Building a Budget:

Last time we talked about setting up envelopes for the envelope system of budgeting, today we are going to talk about balancing your budget and try to make some sense of it.

We started by creating a budget… for many that is the most difficult step. You know how much you make each month and you do not have much control to change that figure, then you start to list your expenses and if you were anything like me you expensed far more than you showed ...

Step 3 - The Envelope System

Okay so you have gotten this far, I assume that means you are at least a little interested in your financial future. Congratulations, you have gotten further than many others.

Today’s blog is about envelopes… yep, your heard me rights (or read me right). The way this budgeting system works is through the use of envelopes, let me explain. Go out and get yourself a box of envelopes, it really does not matter what kind and over ...

We left off last time talking about making a budget, I know just building the budget can be difficult, keeping it will even be more difficult if you do not discipline yourself so be ready to stick to what ever you put down in your budget. If you make a budget and do not follow it then this will not work, you must follow your budget (and it is YOUR budget, you made it).

Before I go too far I have to throw a wrinkle into this for all you married folks like me, you have to do this as ...

Recenty I had an occasion at work to deal with a man and woman who were in a relationship that was falling apart. That the relationship was falling apart was how it came to my attention. It had gotten so bad, the neighbors had called (most of the neighborhood had called) and hence, my arrival.

While dealing with this matter, (names and details deleted to protect the not so innocent) I found out that all parties involved were quite religious. I observed that the crux of the issue was, ...