Making a Food Budget for Your Wedding

Unless your Daddy’s a really rich man (and even if he is) it’s a good idea to put together a food budget for your upcoming wedding so that you can not only keep track of how much you’re going to need but also make sure that the cost of the food doesn’t quickly start adding up to a number that you’ll never be able to afford or pay off. The tips below will help you to budget the food and, if you do it right, you’ll still have a great day with great food but without going into debt for years.…

Creating Your First Budget

More than ever before your financial success depends on making and keeping a budget.  Making a habit of budgeting your money and sticking to that budget is vital to your financial well-being today and in the future. Frankly the transition from having no budget to having and sticking with one is going to be hard at first but, as you get used to spending only what your budget allows you’ll not only get accustomed to it you’ll also see that not having a budget really isn’t a good idea. To that end below you will find a guide to getting started with your fist budget.…

Planning a Wedding Without Breaking the Bank

Costs can easily get out of hand when planning a wedding. The factors that come together to create a beautiful wedding add up fast. However, there are several ways to rein in costs to keep within budget:

The Dress — Some brides will say that if nothing else, the dress must be a work of perfection. Going to wedding boutiques is a great way to try dresses on to see which styles look best. However, they are not always the best places to buy a dress. Find the dress you want in a boutique or in a magazine, and search for it online.…

Credit Cards Can Be Quite Useful When Budgeting

All your ever hear about credit cards is that they are dangerous and can lead to insurmountable debt!  Unfortunately, for far too many people this statement is more often than not true.  But if you are here at my personal finance blog reading this article than chances are you are looking for some tips to improve your finance situation.  My first tip is to not overspend on your credits cards, do not rack up finance charges, do not send in your payments late, and in general do not misuse your credit!  That being said, do use your credit card to your benefit, to budget better, and to maximize your rewards.…

How to Save More Money without Making More Money

I would say that the most pivotal point of personal finance is to spend less than you earn.  After all, as long as you follow that cardinal rule you will technically never go broke.  Too many people fall into a rut by thinking that they can only save more money if they get a raise or a second job.  Sometimes it is much easier than that to save a few extra bucks.  All you really need to do is take a closer look at your monthly spending and cut down on those needless expenses.

Cable/Internet

I’m definitely a fan of cable and high speed internet, however, there are so many tiers of service these days there isn’t a reason why you need to overspend on such services.  First of all, analyze what types of channels you are actually watching, you may not need the movie lovers package or the complete MLB season package.  High speed internet is great, but the super fast turbo booster internet might be a bit overkill, and it costs quite a bit more!  Also, do you really need to have a landline included?  Personally I have managed to survive with a cell phone over the past decade, and I’m sure you could too.…