Budgeting Essentials

Protecting You: Buy Now Pay Later

© 2022 Dan the Budget Man

(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.

5 Tips to Prevent Credit Card Balance  Explosion

During the Holidays 2022-2023

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:

A. budget help

B. student loan help

C. how to set up a budget

D. how budgeting pays bills

E. how to pay off student loans, & credit cards

A. Before you buy the next thing you Want, watch this Video.
B. Doing THIS One Thing Will Make Your Life a Lot Easier.
Grab my Free Debt Relief Workshop...Why?
1. The Workshop is Free.
2. The Class will get you headed in the Right direction.

PRACTICAL INSIGHTS:
A. Let’s buy a car the wrong way.
B. Let’s buy a car the right way.
C. Let’s apply this concept to our purchases.
D. Let’s EARN Interest instead of PAYING Interest.

In today's video, you will learn:
A. How discounts get gobbled up by Interest and Finance Charges.
B. How paying without cash actually costs you more.
C. Why you should read every debt agreement before you sign it.
D. How to protect your future earnings from past purchases...items that you may not even care about today!

A. Change how you SEE the bank in This Video!
B. You CAN stop borrowing money: Truth
C. You are in control when you pay with CASH…It CAN be done!
D. HELPING YOU get committed to paying off debt!

Today we are going to talk about how reducing your debt actually lets you spend more. Sounds a little counter intuitive, right? Just Watch today's video, you will be glad you did!
What do you know about snowballs? When your roll them, they get bigger...right?
Debt is the same way. If you keep adding to your debt, it gets bigger. Sometimes debt gets unmanageable for people. But not You! You are watching this video and you are getting money smart and debt wise!

A. Debt freedom is a choice you make
B. You can buy what you want without debt holding you back
C. You’ve put off debt freedom this long – why wait longer?
D. Begin debt freedom with my FREE CLASS Today!

Why would you bother to set a Debt-Control Goal?
1. To avoid discouragement
2. To keep debt payoff manageable
3. To overcome obstacles in your way
4. Did you know that you can REWARD yourself when you complete sub-goals?

A. LEARN HOW YOUR GOALS RELATE TO DEBT PAY DOWN
B. Keeping score tells you what's left to pay on each debt.
AND...How far you've come on your Debt Relief Journey©.
C, LEARN WHEN TO LOOK AT YOUR SCORECARD
D. LEARN WHAT TO PUT ON YOUR DEBT RELIEF SCORECARD

A. Find out WHY it is important to share Your Debt Reduction Goals.
B.Discover the DIFFERENCE between a Goal and a Wish.
C. Have you ever wished for something you KNEW you would never do?
D. Learn how and why ACCOUNTABILITY CAN WORK IN YOUR FAVOR!

When you are on a Debt Relief Journey, you may be tempted to focus on the debt aspect of the journey. But in order to be successful, you are going to have to focus on changing your spending habits.  Learn more in today’s blog. 

Choosing not to live an exemplary life poses many dangers. Living a compartmentalized life that promotes a double-standard is just one of those. On the flip side, living as an example for others to follow offers many rewards both for you and those who follow you. Learn more in this week’s blog…

When we focus on progress instead of perfection it frees us up to be more creative, more motivated, less stressed and we get things done. Learn more in this week’s blog to discover at least six ways that you can make progress in your business today…

When you are feeling the pressure of debt, it can be tempting to grasp for solutions that sound like they will eliminate your debt.  While there are instances where refinancing could be appropriate, for most people a refinance loan is not a good idea.  Learn  more in today’s blog. 

Focusing on problems and obstacles gives them a life of their own. They become ominous, looming over us and causing us to crash. Read the rest of the article to find out how to avoid this natural tendency…

When it comes to the economy, you don’t have a choice about when a recession will hit.  But just because a recession comes, doesn’t mean you have to participate.  Use these tips to recession proof your finances.  Learn more in today’s blog. 

Where did we ever get the idea that we had to be verbose to write effectively? Lincoln’s Gettysburg address was only a bit over half-a-page! Learn more in this week’s blog.

When things get tight in a recession, most people have to cut back on what they are doing.  Debt payments are not adjustable.  Those payments have to be made regardless of the state of the economy.  But when you are debt free, you don’t have those obligations.  You have more options than people who are in debt.  Find out how to get debt free in today’s blog.