My Debt Reduction Blog

I know we need one, heck, everyone should have one. But why don’t I? Is it because I’m a procrastinator? Is it because I have no idea how to create one? Is it because I still don’t have grips on all our expenses? Or is it that I’m just full of excuses and lazy? I [...]

A long time ago, I thought I downloaded the You Need A Budget spreadsheet for free. Today I went to see if I could get again, but see that it costs $19.95. Didn’t it use to be free?

Recently Zen Habits posted a 12 step get out of debt program, and while we’re not on it specifically, I’d say we’d be at step 5 if we were. We’ve Aknowledged the problem – We’ve enrolled in a debt management program Stop digging – We’ve stopped using credit cards and stopped playing the transfer around [...]

We don’t have a budget, at least not yet. I couldn’t tell you how much we spend on any particular expense in any given month. Cripes, I couldn’t even tell you how much income we have in a month. Sure, I could ballpark it pretty close, but we need an exact plan. So starting in [...]