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HomeCredit Forum Money Management And Budgeting

help

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Guest







Subject: help
 
Posted on Wed Sep 13, 2006 7:20 am  

I am looking for some help in getting my budget in order, does anybody have some suggestions and/or ideas for getting started with a good budget? What is a solution that I can do online or from anywhere?
 
Guest







 
Posted on Wed Sep 13, 2006 7:21 am  

I use Ms Excel for my budgeting, you know that income v/s expenses thing Cool
 
smilenyc07

smilenyc07

Joined: 23 Sep 2007
smilenyc07's page
Posts: 41



2683 Magic Points

 
Posted on Sun Sep 23, 2007 5:38 pm  

Quote:
I am looking for some help in getting my budget in order, does anybody have some suggestions and/or ideas for getting started with a good budget? What is a solution that I can do online or from anywhere?


Hello Guest,

I have a couple of steps that you can do to help yourself and get organized!

There is a new website for finance management, who won TechCrunch40, and they were featurued on PcWorld, Digg etc tec - http://www.mint.com/. It is an online system that you can access from anywhere which makes it good for your case Very Happy

More ideas: Try to cut down your costs and put more towards your debts (if you have any). Write down all your creditors - what you owe them, what are your minimum monthly payments, your fees (monthly maitenance fees, program fees, annual fees etc), your APRs. Write down all your spendings per month. Write every penny, even if you have to walk around with a notebook. It will show you how much money you need per month, it may come up that you are spending more than you make. Pull your credit reports from annualcreditreport.com and check them for errors. Monitor your credit reports. If your emplyer mateches, get some money into a 401(k). Its free money!

If you post some more information, we can surely give you more tips and advice! Good luck!
 
sdchargers_63

sdchargers_63

Joined: 13 Aug 2007
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Posts: 714



75 Magic Points

Subject: money
 
Posted on Sun Sep 23, 2007 7:44 pm  

Have a question, Smileynyc.....I know alot of people, that have 401K's. My employeement doesn't offer them, sorry to say. Is there a place, that u know of, that I can start one through? A GOOD, LEGIT place?
 
Morningstar

Morningstar

Joined: 17 Apr 2007
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Posts: 608



15 Magic Points

 
Posted on Mon Sep 24, 2007 8:15 am  

You can't...a 401k is an employer sponsered plan.

Since I'm not a financial advisor, I can only offer a few alternative suggestions:

a 529 (great for education)
IRA/roth IRA (ask a bank/credit union...for retirement)
an IDA (Individual Development Account...google IDA + your state for more info)
_________________
I don't dream since I quit sleeping
 
sdchargers_63

sdchargers_63

Joined: 13 Aug 2007
sdchargers_63's page
Posts: 714



75 Magic Points

Subject: bank
 
Posted on Tue Sep 25, 2007 11:22 am  

Thanks for the reply. I have an IRA, through the military......kinda nice. Thanks for your response.
 
smilenyc07

smilenyc07

Joined: 23 Sep 2007
smilenyc07's page
Posts: 41



2683 Magic Points

 
Posted on Fri Sep 28, 2007 1:53 pm  

Morningstar is right, unfortunately 401(k) is only offered trough employers... Just whatever Morningstar said is what I repeat Very Happy
 
Laura

Laura

Joined: 21 Jun 2007
Laura's page
Posts: 1409



34300 Magic Points

 
Posted on Sat Sep 29, 2007 6:12 am  

Your answers are more than just repetitions. Smile they are too informative.
_________________
Regards,
Laura.
 
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