Credit Infocenter

Entries Tagged as 'Budgeting'

How to Use Envelope Budgeting: Old-School Cash System vs. Virtual Envelope Apps

November 14th, 2017 · No Comments · Budgeting

Envelope budgeting is exactly what it sounds like: You put cash in categorized envelopes and stop spending in those categories when the money is gone. But even this simple system has recently been complicated, as so much of the spending we do now is with debit and credit cards. You can certainly still use the old-school cash system, but, you may find that an envelope budgeting app is the more practical choice. Here’s what you need to know about both.

[Read more →]

Tags:

Holiday-Ready Finances: 8-Part Checklist for Your Budget and Your Credit

October 10th, 2017 · No Comments · Budgeting

Whether you think you have all your bases covered, or you know you’re in over your head, this 8-part checklist can help you get holiday-ready finances. Equally instructional and motivational, this checklist will walk you through the process of creating a holiday budget and a strategy for sticking to it, including affordable gift ideas, holiday sale best practices, how to use (and not use) your credit cards, and what to do when you realize you’ve spent too much. We also cover ways you can hurt your credit during the holidays and the credit-healthy choices you can make instead.

[Read more →]

Tags:

Budget Breakthrough: How to Create, Manage, and Tweak This Elusive Tool

April 18th, 2017 · No Comments · Budgeting

No matter how many times you’ve tried and failed to follow a workable budget, it’s time to try again. Because no matter how many times you tell yourself you don’t need a budget, the truth is that you do. That’s not to say you need a detailed budget with dozens of categories (though that’s certainly an option). But you do need something that instructs your money on how to cover necessary expenses while meeting your financial goals. That something is called a budget. Here’s how to create, manage, and tweak this elusive (but necessary) tool.

[Read more →]

Tags: