The Debt-Free Spending Plan: An Amazingly Simple Way to Take Control of Your Finances Once and for All
Joanneh Nagleramazon.com
The Debt-Free Spending Plan: An Amazingly Simple Way to Take Control of Your Finances Once and for All
Keep this in mind: What it costs you to be right is your intimacy with others. I can tell you right now that when we blame our partner and think we have all the answers, we are not being honest with ourselves.
Joanneh Nagler • The Debt-Free Spending Plan: An Amazingly Simple Way to Take Control of Your Finances Once and for All
Our totals from past months will give us some idea of what we’ve been spending, but they won’t tell us what we can afford to spend. Since we’re not going to do a financial analysis of our past spending habits, we’ll have to guess at first, and then be flexible, adjusting as we go.
Joanneh Nagler • The Debt-Free Spending Plan: An Amazingly Simple Way to Take Control of Your Finances Once and for All
Once we know it is a gift, we accept (or not) graciously, and we apply the One-Third Windfall Money Rule. That is, one-third of the amount goes to debt repayment, one-third goes to Savings accounts, and one-third goes to Fun Money or anything else we choose.
Joanneh Nagler • The Debt-Free Spending Plan: An Amazingly Simple Way to Take Control of Your Finances Once and for All
we avoid letting the unsolved problem sit there so we can size up its dimensions, feel what we feel, and then proceed thoughtfully. So my suggestion is simple: When you begin to address money issues with your partner, don’t come to the table with all of the answers. In fact, don’t come with any answers. Just open up the topic for viewing, discussin
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What we’re creating here is a road map for spending that’s clear as a bell.
Joanneh Nagler • The Debt-Free Spending Plan: An Amazingly Simple Way to Take Control of Your Finances Once and for All
It’s also fine to pay the bills together from one account, and then divide up the Daily Needs cash and Savings money. But I don’t recommend doing that if there’s been angst-ridden debt trouble. Why not? Because inevitably, one partner will tend to opt out of the bill-paying process and dump it all on the other partner, claiming, “I’m just no good w
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The ING Direct and Emigrant savings accounts pay a decent interest rate without fees or minimum balances.
Joanneh Nagler • The Debt-Free Spending Plan: An Amazingly Simple Way to Take Control of Your Finances Once and for All
Type in “smartphone financial apps” in Google or another search engine, and you’ll get a nice long list and plenty of reviews. About.com offers terrific reviews and information on Mint, SplashMoney, Google Wallet, Ultrasoft Money, and more. Some, like Ultrasoft Money, offer an option to reallocate money if you go over your budget categories—much li
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