Posts Tagged“budgeting”

Do you ever get discouraged and wonder if your effort to be wise with your money is worth it? I would like to encourage you that it is, and that all those little bits of effort really do add up! Since financial stress is the number one cause for marriage breakdown, then being in control of your finances rather than being out of control, is a wonderful gift you can give to yourself and your family. Dave Ramsey has some wonderful suggestions for getting on the road to financial freedom. One of the most basic things you can do in…

Around this time of year we are bombarded with a million images of the “perfect Christmas”, for the most part these messages are designed to induce us to spend money, often on unnecessary stuff, which may end up becoming tomorrow’s clutter! I have tried to be really deliberate about my spending this year. I have set a budget for gifts and groceries and so far I have stuck with it. I have made some home-made gifts and have made a menu for my Christmas cooking and written shopping lists accordingly. I find that planning is one of my best allies…