Fact: You are going to screw up sometimes. Maybe you miscalculate a bill and overdraw your account. Perhaps you succumb to temptation and use a credit card instead of cash/debit. Or you forgot to plan for an upcoming [and necessary] expense. Last week, it was my turn. First, I didn’t realize my rent check hadn’t…
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I just finished my lunch on this quiet Sunday. It was a very nice lunch – tuna salad [with celery and onion] on whole wheat toast, baby carrots, olives, and a glass of milk. I thoroughly enjoyed it. But I realized something while eating, as I compared it to my dinner on Friday. That day,…
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Do you use ‘Sinking Funds’? To be honest, it’s taken me awhile to start using sinking funds. At the beginning of my debt-free journey, I was so caught up with the immediate that I didn’t consider more long-term budgeting. Sometimes I would think, “Hey, I should start setting aside money for X, Y, and Z,”…
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