A Guide to An E-Z Zero-based Budget Process – Your Expenses

Before you can ever begin living under your monthly income, you need to be able to live within your income for any given month. I created this as a guide for an E-Z Zero-based budget process beginning with your expenses. Before you reach this level you need to brainstorm and list every bill or person...

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Your Starter Emergency Fund – First Step to Mastering Personal Finance

You may be experiencing every other phone call is another creditor seeking payment for something you just had to have. You saw that white mink in the window of Macy’s and knew it would make you look rich and desirous, even make your friends jealous thinking you could afford such an extravagance that they can’t....

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Wise Grocery Shopping – Take Time to Prepare

One of the essential items in life we must pay attention to is having enough food to satisfy us while still living on a budget. Depending on your family size and needs, this line various household to household. A good rule of thumb to consider would be $30-50 per family member per week. This means...

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