Budgeting Essentials

Helping you master the practical essentials of Budgeting, Cash Flow, Accounting and Debt Relief.

This blog is geared toward individuals and small business owners.

After all, what is a business if not the people involved in the operation of a professional pursuit to make life easier for their customers?

Get help with:

MONEY: Making your money work for you > Spending wisely > Funding and Timing large purchases > 

DEBT: Paying off...

This blog is geared toward individuals and small business owners.

After all, what is a business if not the people involved in the operation of a professional pursuit to make life easier for their customers?

Get help with:

MONEY: Making your money work for you > Spending wisely > Funding and Timing large purchases > 

DEBT: Paying off personal and business debt quickly and efficiently

BUSINESS: Interviewing techniques > Interview Questions > HIRING the Right Person

CUSTOMERS: Customer Service Tips > Cheat Sheets > How Customers Like to be Treated by You

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The Key to Getting and Staying Debt Free

 

 

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No matter what method you use to get and stay out of debt, there is one thing that you are going to need.

 

 

Consider this. Many people think that their biggest need is money. That is one of the reasons that so many people play the lottery.

 

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But winning the lottery doesn’t really help most people who win the lottery. Studies show that people who win large amounts of money from the lottery are more likely to declare bankruptcy than other people. Most have used up their winnings within three to five years. 

Resource:

 https://www.cnbc.com/2017/08/25/heres-why-lottery-winners-go-broke.html

 

 

If money is not the answer to getting and staying debt free, what is?

Discipline.

 

 

Discipline will help you if:

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You have a lot of money – wealth is not mutually exclusive of debt.

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You have a little money – you can learn to make more and/or spend less.

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You are somewhere in between.

 

 

What is it about discipline that makes it so important?

 

 

 

The dictionary says this about discipline:

It “is orderly”

It is a “prescribed conduct or pattern of behavior”

It is “self-control”

 

 

 

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Traits like the above mentioned will help you make good decisions that will result in you making the most of the money that you have.

 

For example, instead of spending because you want to or because you “have” the money to spend, using discipline will motivate you to study the consequences of your choices.

 

You could take a class to learn about good spending habits (like a budgeting class).

 

 

 

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You may do some research to see what your best choices are.

 

 

 

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Giving yourself space and time before making purchases – especially large ones – can help you think through the advantages and disadvantages of making the purchase. In fact, you may learn that delaying the purchase is your best alternative. 

 

 

 

 

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Without discipline, you will likely find yourself right back in debt or deeper debt than where you were to begin with.

 

 

From a financial perspective, there are several areas to apply discipline:

 

Spending – not overspending

Saving – to have money set aside for future use 

Generating extra income - to help you pay off current debt 

Budgeting - to help with all the above 

Prioritizing - so you know what is and what is not currently important

Paying down debt – in a systematic and efficient way so you can purchase what you want 

 

 

 

Discipline requires repeated practice, but it will help you in every area of your life!

 

 

Make the choice to learn and use discipline today! You will be glad you did. 

 

 

Dan the Budget Man website:

https://www.BudgetingEssentials.com  (click here)

 

Dan’s Money help on YouTube:

www.youtube.com/@DansMoneyHelp

 

 

We Offer:

A free workshop -> Getting out of debt = $0

Free Workshop -> Getting out of debt $0  (click here)

 

 

 

A deep dive program ->

Getting out of debt = $one-time low fee

 

Deep Dive Program -> How to manage your money

(one-time low fee)  (click here)

 

 

 

 

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5 Reasons: Only Use Credit Cards in Case of Emergency

 

 

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5 Things to Know About Crushing Your Money Woes

 

Let’s get cerebral.

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What’s a money woe if not a feeling of anguish, guilt, or distress over spent money, otherwise known as debt?

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Things You Should Know About Consolidating Several Smaller Loans into a Refinance Loan

 

Today, I want to talk to you about loan consolidations.

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If you are reading this, you are probably wondering if this is a good time to consolidate your loans.

You may also be speculating on how quickly you should contact a lender about consolidating your student loan or loans now that the Supreme Court ruled against the president’s loan forgiveness plan and the Covid-19 student loan forbearance program is ending.

There are times when consolidation is your best alternative. However, that is not always the case.

Agreeing to a consolidation loan before you have done your homework is never a good idea.

Why?

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Why a Low Interest Rate May Not Be a Good Deal

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Student Loan Repayment Strategies

 

 Student Loan Repayment Strategies

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Tough Economic Times Can Be Teachable Moments

 

 Tough Economic Times Can Be Teachable Moments

 

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How to Have Fun With Kids During a Chaotic Economy: Without Spending a Lot of Money

 

How to Have Fun With Kids During a Chaotic Economy: Without Spending a Lot of Money

 

 

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If you are wondering how to keep the fun alive for your family while the economy is tight, you have come to the right place for encouragement!

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The Busy Woman's Path to Less Money Anxiety

 

 

The Busy Woman’s Path to Less Money Anxiety

© 2023 Dan the Budget Man

 

 

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If you can relate to any part of this story, this blog is for you. Plus, you can download a free workshop to get you started on the road to LESS MONEY ANXIETY.

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Do This 1 Thing to Avoid Low Funds

 

Do this 1 Thing to Avoid Low Funds

 

 

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To financially protect yourself and your family these days you must make some changes. Yes, these changes have to do with your money.

 

You might say, “With the increase in the price of rent, gasoline, and eggs, I barely have enough money to get along! How can I possibly stretch the money I have?”

 

The answer is easier than you might think.

                               

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Fight Inflation. Start Today. 3 Steps:

 

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They Can't Take it from You - If You Own it!

 

 

 

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 Ready, get set, pay it off!

I don’t care what it is…If you owe money on it, this blog is For YOU!

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Mediocrity: How Your Business Loses

 

 

Mediocrity: How Your Business Loses

And

7 Steps to Hire the Right Employee

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5 Tips to Prevent Credit Card Explosion During the Holidays 2022-2023

 

 

 

5 Tips to Prevent Credit Card Balance  Explosion

During the Holidays 2022-2023

 

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To protect your credit card balance (and your wallet!) every family needs an immediate assessment of where their money is going - especially during the Holidays 2022 - 2023!

 

You may say, “Oh, but it’s Christmas (or the name of your holiday!), I just have to splurge, right?”

 

No. Here’s why:

 

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Buy Now Pay Later: What You Should Know

Protecting You: Buy Now Pay Later

© 2022 Dan the Budget Man

 

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(Please note: This blog is not intended to be all-inclusive, rather, it serves to let you know some fundamentals we feel are important for you to know. Information that will help you make good money decisions now and in the future!)  


 

What You Should Know:  Terms of payment, fees & other charges, missed payments, including easy debt calculations you can make. Bonus: Free Debt Relief Workshop.

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2 Meaningful Money Safeguards That You Control

2 Meaningful Money Safeguards That You Control

© 2023 Dan the Budget Man

 

 

 

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For family safety and peace of mind (and minimizing credit card balances!) every smart person needs money safeguards!

Free Money Safeguard Cheat Sheets Inside Blog!

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How to Watch What You Spend and Time Large Ticket Purchases

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How to Watch What You Spend and Time Those Large Ticket Purchases

© 2022 Dan the Budget Man

 

This Example Shows You How to Get a Laptop in 20 weeks vs 47 months!

 

(Plus, download a Free Class and Learn

How to Pay it Off Quicker in 2023!)

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7 Tips to Hire the Right Employee

 

 

 

7 Tips to Hire the Right Employee

© 2023 Dan the Budget Man

 

 

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Do you know…that you don’t have to let popular media phrases like labor shortage and the great resignation bother you?

Right now, you could be thinking, I just need to get somebody, anybody, to fill this open position. It’s the only way to keep my business afloat.

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5 Secrets to Grow Your Customer Base

 

5 Secrets to Grow Your Customer Base

© 2023 Dan the Budget Man

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But: Here’s what you gotta do 1st

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7 Steps to Keep Non-paying Customers Happy: And Get Paid!

7 Steps to Keep

Non-paying Customers Happy:

And Get Paid!

 

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Answer Their Anger This Way

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