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Ask an Expert: Where do I begin to create a workable budget?

Q. My bills are more than my income. I don’t make enough to create a workable budget. Where do I begin and what do I do to fix this? Dear reader, Budgets are tools that allow us to review and organize our finances to meet our financial responsibilities and achieve goals. Developing a “workable” budget depends on your current financial responsibilities and income as much as on your goals and …Read More

Winterizing Your Home On A Budget

People living on a budget might not take extra steps to winterize their homes, figuring they can’t afford it. But many winterization options are free or very inexpensive, and save a lot of money on heating bills. Don’t let a tight budget prevent you from winterizing every year.   Free things you can do Insulate leaky doors with a towel. Roll up a towel and place across the bottom of …Read More

Ask an Expert: How do I pay my credit card debt when my wages are garnished?

Q: How do I pay my credit card debt when my wages are garnished? Dear reader, I’m sorry to hear that you are having to deal with a wage garnishment while trying to keep your credit card payments on track. Paying your credit card debt when your wages are garnished can be very tough because you have limited options. However, you can carefully plan and enlist the help of NFCC certified …Read More

The Ultimate Guide to A Budget Vacation

Budget Travel Hacks to Stretch your Vacation Dollar Staycation is an Option That might not sound exciting but it’s often the cheapest option because there are no travel or flight costs and no accommodation costs. But don’t just sit at home. The trick is to do activities that you wouldn’t normally do. For example, most people haven’t been to their own town’s tourist attractions since they were on grade school …Read More