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Budgeting Variable Income

How to Create a Budget When You Have Fluctuating, Variable Income

While budgeting might not be brain surgery, it’s a lot more difficult when you don’t know exactly how much you’ll take home each month. Temporary workers, independent contractors, freelancers, business owners, and others with fluctuating incomes need to create budgets that work with their situations. If your income varies from month to month, here’s how to build a budget that meets your needs, as well as some tips for staying within that budget.
Christmas Tree Holiday Budget Planning Expenses

How to Create a Holiday Budget and Stick to It

The silver bells of the holiday season can certainly take their toll on your wallet. In a November 2019 Gallup poll, Americans said they...
Emergency Fund Cash Jar

How to Build an Emergency Cash Fund When You Have Irregular...

Contingent (temporary) workers, independent contractors (freelancers and solopreneurs), on-call workers, temporary help agency workers, and workers provided by contract firms often struggle to string together workable household budgets. And it's even harder to build emergency savings sufficient to cover the recommended three to six months of living expenses. But it's still possible to build a comfortable emergency cash fund that’s distinct from your retirement, home maintenance, and short-term goal savings fund - even if you don't always know how much your next paycheck will be.
Physically Fit Without Killing Budget

Get Physically Fit without Killing Your Budget

Gym memberships can cost over $1,000 a year. Add a personal trainer to that and you are spending thousands to get fit and stay...
Budget Pulse Interview

An Interview With Craig Kessler from BudgetPulse.com

Personal finance applications and budgeting tools have become extremely popular over the past two years, with Mint.com being one of the largest players out...
Save Money Using Discount

An Easy Way to Save Money: Ask For a Discount

I'm watching 20/20 right now on ABC, and they just had a segment about how to save a bunch of money while shopping. The...
Walk Away Home Mortgage

Should You Walk Away From Your Home Mortgage?

In the midst of the current housing market crisis, there are a percentage of people out there who have simply decided to walk away...
Shopping Conscience Need

You Need a Shopping Conscience

I enjoy the "thrill of the hunt" when shopping, but sometimes by the time I've gotten home, I can't even remember what items I...
Money Crashers Financial Fitness

Keeping Up with the Money Crashers – Compete For Financial Fitness

We have all heard of "keeping up with the Joneses." It's the all-American notion of besting your neighbors. If they remodel their kitchen, maybe...
Earn Money Kid

5 Tips To Get Your Friends To Be Frugal With You

Many studies have shown that we tend to do things based on the examples set by our friends. When our friends overeat, we overeat,...
Save Money During Economic Times

Two Examples About Saving Money During Hard Economic Times

My wife and I recently bought a house, and this is our first house. We have NOTHING by way of appliances and tools that...

Minimizing Expenses: It’s Not What You Know, It’s Who You...

Let's say for a moment that you were an expert in the following areas: computer repair, auto repair, insurance, mortgages, purchasing electronics, credit cards and...