There is no magic pill or so-called easy way to get out of debt. What you need right now is to get out of denial that you have debt, make a plan, and start budgeting, and tracking your expenses.
General Commentary on Budgeting, Saving & Debt
- Why do you rent instead of owning a home?
- Three levels of frugality
- Faring on a $1000/month budget – Revisited
- 5 Familiar Lies we tell ourselves
- Being Frugal, Cheap and a Cheap Opportunist
- Blaming anyone but yourself is the easy way out
- There is such a thing as being too frugal
- I hate the word “Frugal”
- Finding $$ to do what you want
- Shopping to fill an emotional void
Taking Control of your Finances & Budget
- Read my guest post on Rent. Food. Broke about Budgeting 101!
- 5 Finance Basics
- How to bust out a budget
- How to bust out simple or complex compounding interest – math formulas
- 5 Steps to taking control of your finances
- Budgeting for a Nervous Wreck of a Self-Employed Person
- Calculating your Net Worth
- How to decide whether to Save for Retirement, Save for Emergencies or Clear your debt?
- FB’s 15 Personal Finance Tidbits
Debt & Budgeting
- Cook at home, or eat out all the time? Do the math.
- Student Loans by the Numbers
- How to motivate yourself NOT to blow all your cash savings
- Don’t have a steady cheque? Read this.
- Keeping up with your credit card transactions
- Paying your debt in installments
- But you told me I could splurge!
- Compounding Interest, De-Mystified
- How compounding interest works (the formula)
- How to bust out simple or complex compounding interest – math formulas
- How to decide whether to Save for Retirement, Save for Emergencies or Clear your debt?
- How to get your free credit report (Canada)
- Debt Sucks but so does not living your life
- FB’s Words for College Students
- Surviving and Thriving on $12k/year (Not FB)
- Letting debt rule your life is stupid
- Geeez! $30-$80 isn’t thrifty!!!
Cutting Back
- Simulate a job loss
- FB’s Guide to Selling Stuff Online
- How to bring your lunch to work. Easily, to save $10/day or $200/month!
- How we travel for $1000 per person to a city (all inclusive)
- What have you eliminated that you do not miss?
- Toothpaste? Who needs it?! Use other eco-friendly alternatives!
- Being Cheap and Living on Less
- How we save on our budget categories
- It’s all the little things that matter in life
- Letting go of unused subscriptions
- Money Hacks
- Turns out most expensive isn’t always the best
- Reflection of what I’ve foregone to save money
- Saving money on Beauty
Shopping & Travelling
- Travelling Frugally and Intelligently
- The scoop on Swagbucks.com (earning cash or gift certificates just for searching!)
- Cost per use is a Shopaholic’s Saviour at times
- Shopping Strategies to save time and money
Reader Questions
- Reader: Help me figure out what to do, I want a career change and am in debt
- Reader: HELP! I want some advice and a Financial Makeover
- Gail Case Study: Help Polly!
- Gail Case Study: Help Bobbi!
- Reader: Why do you rent instead of owning a home?
Mistakes people make & Getting Started
- Major Holiday Busters (Part 1)
- There is such a thing as being too frugal
- I hate the word frugal
- A True Cost of an Item
- 5 Familiar Lies we tell ourselves
- Why I rent instead of owning a home
- 5 Budget Busters
- Debt Proofing your Holiday
Grocery Shopping Savings
- On Receipts, Pricing and Accuracy
- Cheapest Grocery Stores in Montreal
- 10 Ways to Save on your Grocery Bill each month
- Do you always check your receipts? You should.
- Our assumptions when comparing grocery stores are skewed
- How we screw ourselves over (when grocery shopping)
- How we chopped our grocery bill down by 57%
RESOURCES
It’s time for a change. « Fabulously Broke in the City
on Jan 1st, 2010
@ 6:01 AM:
[...] I’ve covered a lot of ground already, so take a look at my Money posts, Debt and Saving and Investing & Retirement [...]