Several months ago I wrote the post “25 Free Ways to Show Your Wife You Love Her.” That post had such an overwhelming response, and we got so many requests for a husband version, that here I am again.
Our groceries budget has fluctuated over the past couple of years. It started high, then went down pretty low, and now it is up again. I want to ask you, the readers, how much you spend on groceries so that we can all learn some valuable tips!
John and Jane, a married couple, keep separate bank accounts . . . John has his money and Jane has hers, but they do not have a joint account. Running the household finances is a bit of a challenge, but they stay current on their bills by each taking responsibility for certain payments . . . .
This past year our family experienced more medical expenses than planned. Nevertheless, we made it through the year just fine. I was thankful we didn’t end up accumulating any credit card debt. I know that can’t be the case for everyone . . . so should you use your emergency fund to pay off debt?
Your emergency savings is set aside to be used for nothing but emergencies. Right? Right! But that very fund can also be used to help you save on insurance premiums . . . .
You have seen those percentage budget plans which deftly tell you what percentage of your budget you should spend on which categories. Yes, they are a good guide, but you need to beware that giving too much credence to those percentages could get you in trouble. For example . . . .
Quickly, how would you would answer this question: “What’s your income?” Everyone should understand the difference between gross and net income and why both numbers are important in your financial life.
Have you ever calculated your real hourly wage? You might be surprised! Once you find it out, you can use that information to make some adjustments in your personal and financial life that will result in real change.