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Budgeting

Your Budgeting Questions—Answered

A post last week on the "Save-to-Spend" budget sparked numerous questions from readers. Here, our best answers:My monthly income is so low I can barely pay the bills. How can I budget to save? Don't think of the saving part of your budget as a...

Got Budget?

Weekends are hard on the ol' budget—especially if you don't have one. To get your spending and saving in synch, try this stress-free method, created by Galia Gichon, financial planner and author of the "My Money Matters" kit. To make things even...

5-Minute Quiz: Your Best Budget

The reason budgets fail—or people never try them in the first place—is that the budgeting concept is misunderstood. Many people believe (or pray) that a budget will solve many of their money problems. A budget is really more like a blueprint: it...

The Dreaded B-Word

If you dread the B word and wish you could manage your money without brown-bagging your lunch or fretting about your heating bill, maybe you can—and maybe you should. The cutbacks and micromanaging that drive conventional budgets steer people in...

End-of-Year Peace of Mind

It's Halloween. Soon Thanksgiving. And then the holidays. Are your wallet and filing cabinet ready? Here are four questions to ask yourself as the end of 2009 approaches: What gifts do you have to buy, how much will you spend, and is the cash...

Practice "Radical Financial Clarity"

Mikelann Valterra is the director of the Women's Earning Institute, a money coach, prosperity teacher, speaker and published author. Did I Spend Too Much? My little sister is getting married in November and we are in high wedding gear. As the...

What To Do With Extra Cash

A DailyWorth member recently asked us:For the first time in years, I've paid my bills, paid off my credit card, and have a $2,000 cash surplus! I have an $80,000 HELOC (Home Equity Line of Credit), and I'd really like to fund my Roth IRA. Should...

The 529 Plan = Smart College Savings

A private college education could cost more than $400,000 in 18 years. 529 plans are federal tax-free savings funds specifically designed to help you save for your kids' college expenses. Some parents open a 529 plan when their child is born. If...

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