How to Recover from a Blown Budget

via MoneyNing:

Have you ever had a week (or maybe two) when your spending got out of hand? My last two weeks have been like that.

I had major family obligations to deal with, I started helping more at my dad’s business, and I took on another small freelance job — all within the same week. Life got crazy.

Needless to say, I let overwhelm take over, and my money pretty much flew out the window.

When it comes to budgeting, falling off track is a common problem. Here’s how I’ve recovered from my overspend, and how you can do the same:

Stop Dwelling

I ate out almost every night for the past two weeks. The house remained a wreck, and I stacked my unopened bills on the corner of the kitchen table.

Going over budget sucks, but it’s not the end of the world. Life happens: you can’t be perfect all the time.

Acknowledge that you messed up, then move on. Obsessing about it isn’t going to bring your money back.

Get Back in Your Old Routine

After recovering from a couple weeks of burnout, I started getting my financials back in order by returning to my old routines. I also played a little bit of catch up: paid my bills, balanced my checkbook, and took care of some transfers.

Sometimes when you fall off track, it makes you want to stay off track. It takes more effort to jump back on the bandwagon than it does to remain on the same path. That’s why it’s important to get back into your old routine as soon as you have the chance.

Get everything caught up, map out a plan for the remainder of the month, and immediately return to your former routine.

Temporarily Cut Expenses

These past few weeks, I’ve earned a little extra money. My overspending, therefore, didn’t get in the way of paying my bills — it just prevented me from saving the extra money like I’d planned.

I still desperately wanted to add a little extra to my savings this month, so I decided to temporarily cut back on my expenses.

If you need to cut back, consider the following tactics:

• Eat at home until you’ve cleaned your shelves out


• Have “no-spend” days, when you don’t spend a single penny


• Skip paid entertainment and opt for board game nights or free concerts

If you’re still facing a budget discrepancy, you may have to look for extra ways to earn money for the month. Consider selling something or picking up extra hours at work.

The point is: if you’ve blown your budget, don’t beat yourself up too badly. We all make mistakes. The important thing is to pick up where you left off and get back to your budget as soon as possible.

When’s the last time you blew your budget?

This article originally appeared on MoneyNing.com. Let us know what you think (or read what others thought) here.

Related posts:

1. When Do You Not Need a Budget?


2. 3 Ways to Recover from a Holiday Spending Hangover


3. Why Budget Shouldn’t Be a Bad Word

For more info: How to Recover from a Blown Budget

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How to Recover from a Blown Budget

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Personal Finance, budgeting, frugality, money tips

LearnVest 50/30/20 Budgeting Pie Chart

LearnVest 50/30/20 Budgeting Pie Chart

via My Money Blog:

LearnVest is (yet another) online financial advisor, but they are more focused on money management and life planning than nitpicking asset allocation details. Founder Alexis Von Tobel’s book Financially Fearless is on my (long) reading list, and here is one reason why – Per this Businessweek article, their budgeting advice is based on splitting up your take-home pay into three major categories with their 50/20/30 plan:

• 50% towards Essentials, which includes housing, transportation, utilities and groceries.


• 20% towards Savings, which can be retirement accounts, emergency funds, or debt payments.


• 30% towards Lifestyle Choices, which are whatever things you value and make you happy. Eating out, shopping, childcare, cell phone plans, entertainment, and so on.

This is an interesting way to make people streamline their budgets. I don’t recall any other personal finance book breaking things down like this. 20% is a pretty good starting point for savings, and I like that there is explicit room for the fun stuff. (Though the fact that “childcare” is under Lifestyle Choices may be somewhat controversial. If you pay for daycare, it is not uncommon for that to be a huge chunk of your expenses.)

LearnVest has several free features and mobile app, including a Mint.com-like app that tracks your spending and matches it up with their 50/20/30 pie chart. However, they will try to upsell you a more personalized advice packages with Certified Financial Planners. Their target demographic is young professional women, but I didn’t really notice when using it briefly so far. Anyone else use them for longer?

The Danger of Complacent Saving

via MoneyNing:

You tuck away your pennies when you can, saving a little here and there. When you have some extra money left over from your paycheck, you put it into your savings account. You save when you buy generic lattes, and when you take your lunch to work. You’re proud of yourself.

You should be proud of these little habits, but they aren’t enough. They won’t lead to a quality life when there’s no work to be had and very little coming in from social security.

To have a successful retirement, we have to plan not only for having some savings — but for having enough to cover all the things that past generations used social security for. There has to be money for medical bills and the everyday costs of living, which are skyrocketing.

Planning for the future requires thought, effort, and discipline. To make sure you have enough money to live off of without sweating bills and medical needs, you need to be aggressive about putting away money now.

Use Burst Saving Instead

What you’re doing now is being complacent. You’re satisfied that you’re putting something – anything – away. The problem is that complacency won’t help you reach the level of financial comfort you’ll need later.

Burst saving will. This technique involves saving 15% of your annual earnings each year for 10 years.

According to a study by Hearts & Wallets, 64% of burst savers were able to save a nest egg equal to 10 times their annual salary. This is what’s usually recommended for a secure and comfortable retirement.

Using this strategy, you can boost your savings and increase your chances of socking away a million dollars before you retire. Even someone who has no savings can easily catch up and quickly fatten their financial padding.

The key is to make smart decisions about where to put that savings. You’ll need a minimum 5% return on your investment. You’ll also want to max out your 401K savings for the first three years before scaling back to the required contributions.

Burst Saving + Aggressive Tactics = Financial Success

Tuck away any and all earning hikes and bonuses into your savings. You’re already living on what you make. So put away the extra, and you won’t feel the pinch.

When you can, ramp up your 401K contributions. If your children aren’t living at home anymore, you can do with a little less each month, so push it over to your 401K. Or if your spouse gets a raise or new job making more money, put that extra into his/her 401K.

Watch your biggest ticket items. If you don’t need a home that costs $300,000, then don’t pay for one. If you don’t need a brand new Lexus (and you don’t), then why throw away your money on it? Pare down where you can. Live comfortably, but not extravagantly. (And be honest about what comfort is.)

DIY where you can. Buy a house you can fix up yourself. Not only will fixing up that house lead to a more attractive asset, but you’ll also have a hobby — and less time and money to spend on other things.

Drive your car until you can’t. Don’t trade up every few years because you need the latest model, or because you’re getting close to 100,000 miles. Stick with it; drive it and fix it until it doesn’t make sense to anymore.

You can only increase your main job’s salary by so much. Increase your earnings by taking on a side gig, and roll all your profit into your savings. If you do have room to increase your salary by making a career change, or by waltzing into your boss’ office and asking for a raise, then do it. (There’s a finesse to asking for and getting a raise: learn how to do it, and make yourself richer.)

Don’t forget that what you’re doing is going to improve your life when you’re older. Become a burst saver, and you’ll reach your million dollar goal sooner rather than later.

Have you ever heard of burst saving before? Would you try it?

This article originally appeared on MoneyNing.com. Let us know what you think (or read what others thought) here.

Related posts:

1. Try Burst Savings to Dramatically Improve Your Nest Egg


2. Money Saving Tips for Seniors


3. Top Ten Excuses for Not Saving

For more info: The Danger of Complacent Saving

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The Danger of Complacent Saving

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Personal Finance, budgeting, frugality, retirement

7 Steps to Making Personal Finance a No-Brainer

via MoneyNing:

Finances, shminances. So many people don’t get them — nor do they want to. They’re HARD. There’s too much else going on to worry about something as abstract as finance.

The problem with this: if you don’t worry about “that stuff,” you’ll never have any of “that stuff” to worry about.

When we’re young, we know one time frame: NOW. As we grow older, now becomes too busy to stop for. There are, instead, families to deal with, children to raise, and jobs to complain about.

When the time comes that we need that extra money, when we’re no longer working as much, when we’re fighting to pay each bill and keep our heads above water, there’s no more time to save.

But finances don’t have to be that hard. They’re not the ghosts in your closet. They’re not the monsters under your bed. Finances are input vs. output, plain and simple.

Simplify

Once you simplify finances down to a concrete concept and some simple processes, you’ll become their master, and you’ll set yourself up for financial success.

Though it’s not simply a matter of knowing what’s earned versus what’s being spent, you do have to start with those simple numbers before moving forward.

Calculate

Add up all you have coming in each month, taking into consideration your income, alimony, child support, etc. That’s your input.

Add up all your expenses each month. Don’t forget a quarterly amount for clothes, car repairs, home repairs, savings, etc. You’ll have to estimate some of these numbers, so just do the best you can. The total of these amounts is your output.

Subtract your output from your input; this number is how much you have left over to “play with.” That amount is all you have to use for entertainment or to tuck away as extra savings.

But, let’s make it a little easier still.

7 Steps to No-Brainer Finances

1. Pare down your credit cards.

Use no more than two credit cards that you pay off as soon as you use them. (You want at least two so you can maintain a good credit score.) Chop up all the others. And if you owe on other cards, be sure to calculate them into your monthly output.

2. Automate everything.

Schedule your bill-paying online, and you’ll stop paying fees for late payments. (Make sure you keep enough cash in your account to cover those automatic payments, though!)

3. Save regularly.

When you’re calculating your output, calculate an amount to put into savings, too. A great way to save as much as possible is to have your check direct-deposited into your savings account, then have the amount you need for bills automatically transferred to your checking account.

4. Use only one bank.

Get simple: diversifying your wealth does not apply here. Go with a bigger bank that will cover all of your needs. By lumping all your assets into one place, you become a bigger customer, which will earn you more perks and better service.

5. Invest in a mutual fund.

Start your retirement savings by investing in a mutual fund that’ll pay out when you’re 65 or 70. Be on the lookout for hidden fees when you’re shopping around. Again, set this up to be automatically invested when you get paid — and it’s out of your head.

6. Link your checking and savings accounts.

With all these automatic payments, the likelihood of overdrafting increases. When you link these two accounts, you’ll prevent this, as well as any fees.

7. Open a second checking account.

If you want to be sure you don’t accidentally touch that bill-pay money, get a separate checking account. Once you’ve deposited your whole check into your savings account, have a fixed amount to cover your bills transferred to one account (the bill account) and your play money to the other (the play account).

This is where your math from earlier comes in. You know about how much you have to play with, so that’s what you send to the play account — and only that. If you need more, live lean and learn how to get by without it.

Finance is hard, but not impossible. By following these steps, you’ll make it easy.

Have you used any of these ideas to simplify your finances? What’s your favorite?

This article originally appeared on MoneyNing.com. Let us know what you think (or read what others thought) here.

Related posts:

1. How to Plug Your Personal Finance Leaks


2. 9 Lessons Monopoly Teaches You About Personal Finance


3. Gamifying the Power of Habit To Reach Your Personal Finance Goals

For more info: 7 Steps to Making Personal Finance a No-Brainer

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7 Steps to Making Personal Finance a No-Brainer

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Personal Finance, budgeting, money management, money tips, personal finance

15-Minute Resolution: Save More For Retirement Today

15-Minute Resolution: Save More For Retirement Today

via My Money Blog:

The problem with most New Year’s resolutions is that they just take a moment to make but to actually accomplish it you’ll need to re-make that decision hundreds of times. If you’re trying to be healthier, every single day you’ll have to choose the grilled chicken with steamed vegetables instead of the bacon cheeseburger with fries. Walking the stairs instead of taking the elevator. Willpower is like a muscle, and it gets fatigued after a while.

The good news is that if you want to save more, automation technology allows you to make a decision now and never be asked about it again. If you can, consider simply increasing your 401(k) contribution rate by 1% (or more). Just log into your account today and make the change. Today being the operative word! Let’s see how much 1% is for a household with a single earner making $50,000 gross per year. For simplicity, let’s say they live in a state without income tax. If you are paid bi-weekly, putting away $500 pre-tax annually (1%) into a Traditional 401k amounts to an additional $19 per paycheck.

Alternatively, it is quite easy to set up recurring online transfers from your checking account to either a savings account or IRA account ($100 a month, $50 a week, etc). Once set up, it will happen automatically and you won’t have to think about it. I like the idea of opening a online savings account, as it gives you a separate “savings jar” that psychologically you’ll be less likely to raid.

If you do it this week, you’ll already be done with your 2014 resolution!

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Personal Finance, budgeting, retirement

How Do You Know It’s Time to Get Rid of Your Car?

via MoneyNing:

The power steering hummed with each corner I took while my wife and I were out shopping before the holidays. It had become a common occurrence, especially when the Minnesota winter temps dropped into the single digits. Most likely, the power steering pump needs to be replaced — a repair that would cost us several hundred dollars.

“I can’t wait to get a new van,” said my wife.

It’s a phrase I hear from my wife each time our van shows its age by making a questionable noise or needing a repair. Our van is almost ten years old, and has over 120,000 miles on it, so it’s understandable that things have begun to wear out.

And I can certainly understand where my wife is coming from. Each age-related repair or maintenance item is money out of our pocket. If we had a new van, repairs would be extremely rare, and they’d also be covered by the warranty.

Despite this, I still want to drive our old van as long as possible — because it’s cheaper to continue making repairs than to buy a new one.

To prove my point, I stated the following pieces of information:

• We purchased our current van brand new, financing it with a five year loan. The monthly payments were $465 a month, or $5,580 per year. If we were to get a different vehicle, we would again have to finance it, most likely with a similar monthly payment.


• In comparison, the only repair we had in 2013 was new brakes. They cost $500, which averages out to $42 a month.

What my wife really wants is peace of mind that we won’t have reoccurring repair bills draining our bank account on an aging van. We know we’ll likely have to fix the power steering in 2014, and I readily admit there’s no guarantee we won’t incur additional major repairs.

Here’s the plan we created to handle our van situation:

• Keep our van for sure until the end of February. At that point, we will have completed our debt management plan and be in a much better place financially.


• Repair the power steering; hopefully this can hold off until March.


• Begin saving for a different vehicle.


• If we have an additional two major repairs on the van, we start looking for a new vehicle. Otherwise, we keep saving and reassess our situation at this time next year.

Together, we came up with a compromise that allows us to save some cash before purchasing a different vehicle — but also recognizes that repair bills are beginning to occur more frequently than we’d like.

How do you decide when enough is enough and get rid of a vehicle?

This article originally appeared on MoneyNing.com. Let us know what you think (or read what others thought) here.

Related posts:

1. Putting Off Repairs Can Cost More Later


2. To Fix or Not to Fix Your Car?


3. Hidden Expenses of Buying a New (or Used) Car

For more info: How Do You Know It’s Time to Get Rid of Your Car?

MoneyNing

How Do You Know It’s Time to Get Rid of Your Car?

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Personal Finance, advice, budgeting, frugality

Are You a Victim of Marketing?

via MoneyNing:

Did you see that new Foot Locker commercial? The timing was perfect, and watching Tyson hand Holyfield his ear was hilarious. So when I went to the mall and saw signs for the “Week of Greatness” sale, the commercial came to my mind — and I almost bought in.

The commercial did its job. Fortunately, I stopped before laying down the credit card.

The point of good marketing is to leave you with nothing.

OK, maybe that’s a cynical way of looking at it — but the fact is that millions of dollars are spent on marketing, so you can spend without thought on goods. This isn’t news: you know it. Still, you let them win your money.

Here’s how to avoid becoming a victim of marketing:

Think: Good marketing makes you feel good just by looking at it. So what happens when you buy the product? All your problems will disappear. Life will be perfect, just as you imagine. Well, at least that’s what they want you to believe. But remember to not buy into their strategies, because it’s likely not going to change much for you.

Analyze: Do you have similar items you’ve bought before? Did you use them? Yes, the course promised to change your business, but if you don’t finish it, how can you change anything? If you already have similar products, don’t lay down another dime for the same thing.

Breathe: Take a moment to breathe when you see a sexy ad that makes you think, “Yeah, I need this!” What is this commercial making you feel? More adequate? More attractive? Breathe and tell yourself that you already are these things. Their products won’t change you on the inside, where it matters most. You must do that yourself. Develop a mantra reinforcing these ideas.

Wait: Before you make a purchase, complete a waiting period to see if you’re still crazy about the product. If you are, then go for it — as long as you can afford it without running up your debt. The waiting period should at least be a week, though a month is best.

Budget: Allow yourself a spending budget, then stick to it. If the item you want fits into your budget, then YAY! If not, sorry. You have to do without until you can pay for it. Try the method that many people use to stay on budget: cash only. If you have the green for it, you’re good. If you don’t, set it aside until you do.

Be satisfied: Stop trying to keep up with the Jones’. You’re you, and you’re magnificent. They’re not better than you; don’t let them make you feel that way because of their possessions.

Measure: If you’re measuring your happiness by the amount of money or stuff you have, you’re measuring wrong. This mentality will keep you unsatisfied, and therefore, falling prey to the marketing industry. You want to hold on to your money, so measure your happiness by the beautiful things you already have in your life.

Establish: Establish your own identity. Psychology says we use consumption and purchases to identify who we are. You happily added Abercrombie & Fitch to your stream of likes, because buying from them is sexy. It’s posh to wear their clothes, and you want people (even those who can’t see your clothes) to know you have taste and style. Don’t base your identity on the things you buy. You can be great without the A&F price tag.

Decide: Decide on your own success. Decide that your goal to be debt-free is more important than anything else. Decide that you’re going to win at your own marketing game: Buy What YOU Need, Not What They Want You To Need. Your mindset is the cornerstone of your success.

Marketing’s job is to make you feel sexy and alluring through products. If you’re already solid in your own skin and mind, however, they can’t win. And you’ll keep more money in your pockets.

What’s your favorite way to avoid becoming a victim of marketing?

This article originally appeared on MoneyNing.com. Let us know what you think (or read what others thought) here.

Related posts:

1. Is Multi-Level Marketing a Scam? Or a Business Opportunity?


2. Multi Level Marketing: Can it Work?


3. How to Make Money with Network Marketing

For more info: Are You a Victim of Marketing?

MoneyNing

Are You a Victim of Marketing?

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Personal Finance, budgeting, frugality, money tips

How to Avoid Black Friday and STILL Save on Gifts

via MoneyNing:

I can’t remember the last time I went shopping on Black Friday. Yet, somehow I always manage to find good deals on quality gifts.

While I do think there are some good deals to be had on Black Friday, I also think it’s overrated. Plus, shopping on Black Friday can lead to a lot of overspending. It’s hard to maintain self-control when your mind is telling you that everything really is a good deal – even when it’s not.

If you’d rather skip the madness of Black Friday, there’s good news: you can still find those bargain gifts. Here’s how.

Make a List

Before you go deal hunting, make a list of everyone you have to buy for, along with a few gift ideas for each person. This way, you won’t be tempted to save money by purchasing someone a bad gift.

Once you have your list and gift ideas, you can get down to business!

Shop Cyber Monday

A great way to avoid the crowds and still score awesome deals is to shop for gifts on Cyber Monday.

Once the Cyber Monday ads start coming out, pull out your gift list and cross-reference it with the ads. See something for sale that matches one of your gift ideas? Make a note.

Check all of the stores that are most likely to have deals on the items you need. Every time you see an awesome deal, write it down. When Cyber Monday rolls around, go to all of the websites that have the deals you want. Quickly add the item to your cart and check out.

Beware of browsing too much. Remember: you’re not saving money if you buy something you don’t need just because it’s a deal.

Shop Locally & Negotiate

If you’re not much of an online shopper, you could help your community by shopping locally. Check with the local merchants in your area to see if they have what you need.

If the merchandise seems to be a little overpriced, ask if there will be any holiday promotions. If you still don’t have any luck, try negotiating.

My family owns a couple of local department stores, and I’m here to tell you people negotiate on just about everything — all the time. Don’t feel embarrassed asking for a lower price; just make sure it’s reasonable. The merchant is much more likely to give you a lower price than let you walk out of the store empty-handed.

Negotiation can do wonders for your holiday gift budget.

Shop at Thrift Stores

If you have little kids to buy for, shopping at thrift stores is the perfect solution. Most young children could care less whether their gift is new or used. All they care about is having something fun to entertain them.

Browse your local thrift shops for gently used items. A lot of times, you can find awesome deals on merchandise that still has the tags on it.

And, if you have family members who enjoy books, a thrift store might be a good place to find gifts for them. Most thrift stores have very gently used books — sometimes, you can’t even tell they’re used.

Forget the holiday madness that comes with Black Friday. If you make a list and check around, you’ll end up saving more money and coming back with better gifts.

Are you shopping on Black Friday? How do you save money on your holiday gifts?

This article originally appeared on MoneyNing.com. Let us know what you think (or read what others thought) here.

Related posts:

1. Is Black Friday Worth Your Time?


2. I’m Staying Home on Black Friday — and Here’s Why


3. How To Shop on Black Friday (Without Losing Your Mind)

For more info: How to Avoid Black Friday and STILL Save on Gifts

MoneyNing

How to Avoid Black Friday and STILL Save on Gifts

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Personal Finance, budgeting, frugality, money tips

How to Plug Your Personal Finance Leaks

via MoneyNing:

We all have leaks in the hulls of our finances. No one can run an air-tight ship all the time. But some leaks are more damaging than others — and when we plug them, we’ll see our ship rise higher above the surface.

Let’s take a look at these common leaks and how you can plug them once and for all.

1. An outdated thermostat

Running an old thermostat that you play with all day long is costing you more than running an automatic one, which range anywhere from $60-$250. Pay a little extra right now so you’ll stop paying more each month.

It’s also worth noting that if you set your thermostat 10-15 degrees lower while at work, you’ll save 15% on your heating bill. That’s a leak well-plugged!

2. More data or talk time than you need

When you got your new cell phone, you probably stayed with the plan you had without a second thought. You never considered whether you even needed the minutes you were paying for. Our salesperson suggested we downgrade to lower talk minutes, and we saved $15 a month. That’s $180 over the year.

Of course, now Wal-Mart sells phones with unlimited data and text, plus 100 minutes of talk-time. Who needs $150 plans anymore? If you need more than 100 minutes, pair that smartphone with Google Voice and bypass that limit.

3. Preventable home repairs

By neglecting a few important checks each winter, you could wind up paying for unnecessary home repairs. For example, leaving leaves and debris in your gutters clogs them — so when it rains, the water spills off and pools around your home’s foundation and leaks in. Frozen water in gutters can cause snow and ice to push under your shingles, creating roof leaks and damage. Keep those gutters clean.

4. Water hoses

Hoses that have water left in them for the winter can cause pipes to burst, which is a plumbing nightmare. To prevent this, all you have to do is empty your hose and disconnect it for the cold months.

5. Automatic policy renewals

As with cell phones, insurance policies are often neglected and renewed without considering what else is out there. Take the time to look at other options and see who offers promotions or better rates. You could save up to $170 per year by forcing yourself to shop around.

6. Home security

After the first few years of service, your monthly fees have usually paid for your home security equipment. If this is the case, you can have your monthly fee reduced — but only by asking. Check over your contract and call your company to find out if you qualify for the monitoring-only fee.

7. Overdraft protection

Some banks charge you between $10-30/month to take money from one of your accounts to cover another. If you’re paying that fee, consider getting a free app that lets you keep track of your balance in real time. Mint Quickview lets you easily see how your account’s doing so you can avoid overdrafts altogether. Even if you go over once, you’ll pay less in fees than you would with monthly “protective” charges.

8. Your 401K

Some people don’t take advantage of employer contributions to their 401K. If your company is giving you money, why wouldn’t you invest it? The amount of money coming out of your pocket each month won’t be enough to send you to the poorhouse — plus when you retire, you’ll have double the money you put in. Free cash! Don’t let it leak from your financial ship.

9. Snail mail

That’s right. You can save $90 per year in stamps by paying your bills online. The average household gets 15 bills a month. Multiply that by the upcoming price of $0.49 per stamp, and going paperless seems pretty sweet.

Plug your personal finance leaks and start putting that money back in your wallet.

What’s the last financial leak that you plugged?

This article originally appeared on MoneyNing.com. Let us know what you think (or read what others thought) here.

Related posts:

1. Money Leaks Are Costing You Hundreds Every Year (This is How to Plug Them)


2. Are You a Macro or Micro Personal Finance Person?


3. 20 Top Personal Finance Tips to Teach Your Kids (and Yourself!)

For more info: How to Plug Your Personal Finance Leaks

MoneyNing

How to Plug Your Personal Finance Leaks

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Personal Finance, budgeting, frugality, insurance, money management, personal finance