The Personal Financier – A Personal Finance Blog Personal Finance Blog

I must admit, I used to struggle with budgeting.  I mean it was always a pain to figure out what categories to use in a budget, how much to budget for each category, and manage to the budget. What I tried at first was Microsoft Money and their built in budget tool.  I did not [...]

I was sick this weekend so I had some time to contemplate about how our finances were doing, and I realized I was slipping back into some old bad habits.  I have been thinking about our finances lately, but not really wanting to dig to deep. One thing I notice about this bad habit of [...]

For moms like me, budgeting can be a tedious task, especially if you just have an average (or even below average) income. There are no rules except to make sure that the kids are eating good, getting the right education and you are paying the monthly bills (whose bulk is the rent or monthly mortgage [...]

For moms like me, budgeting can be a tedious task, especially if you just have an average (or even below average) income. There are no rules except to make sure that the kids are eating good, getting the right education and you are paying the monthly bills (whose bulk is the rent or monthly mortgage [...]

If you go to an accountant and ask them to help you do a budget, they are going to be very “matter-of-fact” about it. If you go to your spouse, parent, teacher, lecturer, or anyone else and say you want to do a budget, they are also likely to be very “matter-of-fact” about it. The [...]

Budgeting scares most people. It is very, very emotional, and for many people, the hardest thing they have ever tried in their life. Some people don’t even understand what a budget is! The first thing to understand about a budget is that it is not something that is there to restrain you, it is there [...]

The family car, or a car designed for at least two to three children in the back seat, are often overlooked or considered less than appealing. Though modern family cars are full of the latest technology, safety features and interesting designs, numerous other benefits are available to make the purchase of the car worth the [...]

It is essential that you try and come out of debts if your debts are continually rising. This is important as after debt reduction not only your financial life but also your family and social life, improves. One of the most important ways in which you can proceed towards debt reduction is by planning a [...]