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mvhtnc's home budgeting & personal finance     
Nickname: mvhtnc           Budgeting Since: 09/03/2010
 

Budeting tips, how mvhtnc is saving money:
So I Can save more for the house.
 

The most stupid spending on mvhtnc personal budget:
Gas for my car!
 

Can you stick to the budget:
mvhtnc: yes. very glad i found it.
 

What made you want to use a budgeting software (personal budget planner):
mvhtnc: to see the reality of where our money is going
 

Leave the credit card at home, start using cash:
mvhtnc: 1 credit card for groceries ONLY! then pay it off with the cash we put aside for the food. this way we are not spending money that we were not going to in the first place. but we are building credit.

mvhtnc Money Saving Tips:
online budget
kathrasher7: My son's credit card!...
mvhtnc: TAKE IT AWAY! he will live i promise! and so what if he is mad at you for 2 weeks. he will get over it when he realizes that mom and dad wont pay his bills forever, and then when he has children he will thank you.   09/03/2010 05:42
tal: using my credit card too much ...
mvhtnc: cut it up. 3 months of going without those things you would buy with that card will be much less depressing than being retired and not having any money to do what you want.   09/03/2010 05:40
brandie: debit card...
mvhtnc: call the bank. tell them to cancel it. stick to cash.   09/03/2010 05:39
expensiveT: credit card interest, interest inte...
mvhtnc: just pay it off! stop making excuses why you cant (because we all do!) and just pay it you may feel broke for a little while, but once its paid and you are back on your feet. youll feel so much better   09/03/2010 05:38
Carey: We were spending too much out of co...
mvhtnc: talk to your work, get them to take money out of your check for your 401k do you have direct deposit? your bank can automatically take out an amount of money every time something is directly deposited into your account   09/03/2010 05:37
Tre: Internet shopping...
mvhtnc: block the sites. every time you are looking at that thing you really really want, just think to yourself. this thing or being able to have a little bit of back up money   09/03/2010 05:36
eveq: late fees, overdraft fees, pay by p...
mvhtnc: the longer you only pay the minimum those fees are going to stay. suck it up and pay off all the fees and the next months bill. just get on track it may cost a lot right off but over time you will be saving money   09/03/2010 05:34
Sparkygirl: Loans and credit cards. Kids wants...
mvhtnc: your kids can go without. think about what you didnt have when you were a child. you survived. I dont mean to be brutal but children think they cant live without those new shoes. they can.   09/03/2010 05:32
cj: I regret letting my ex have a loan ...
mvhtnc: look into legal action   09/03/2010 05:31
Jessica: bank fees,cc payments and stuff we ...
mvhtnc: try to sell what you dont need. with that money put it to the payments. save your change in a jar. roll it at the end of the month and cash it in you would be surprised how much youll get   09/03/2010 05:30
Rick: Using credit cards...
mvhtnc: cut them up. it may be hard but over a small amount of time you will find that you are living much less stressed over a little piece of plastic.   09/03/2010 05:29
PHILL: INSURANCE, ELECTRIC...
mvhtnc: unplug your toaster, your blender, your tv. your internet router- turn it off. Keeping small items plugged in or on all the time actually costs you money Unplug the things you only use when you need them.   09/03/2010 05:28
Hank: overdraft bank fees, late/over limi...
mvhtnc: if you are using a visa debit or something along those lines. Every time you spend something you need to record it in a balance book. what i do is round to the next dollar. if i spend 9.24 i record that i spent 10.00 that way when you look at your balance book you see how much you can spend. But you will actually have more in there money that you "cant see"/dont have.   09/03/2010 05:27


More users are budgeting and saving money on car:


More users are budgeting and spending money on car:
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