Steadfast FinancesBudgeting Archives - Steadfast Finances
Viewing Category » Budgeting
30 April 2012

Travel for Pennies: How Rethinking International Travel Can Save You Money

Americans traditionally consider travel a luxury, reserved for retirement-aged people who are able to afford the time and cost involved in taking a proper vacation. We often think of traveling as a getaway, where all of our needs and wants are addressed by friendly hotel staff. The destination and local culture are often lost amongst mints on pillows, relaxing spa treatments, fancy dinners and elaborate shows.

5 August 2010

Think Speculators Don’t Influence Markets, Think Again

 Budgeting,Commodities         4 comments

I get a laugh out of folks who say… speculators have little or no effect in the everyday lives of consumers. Really? Wheat futures Ostensibly, it’s never a good thing when a vast supply of any commodity, in this case, wheat, is taken out of the supply and demand equation by a devastating round of […]

15 February 2010

Keeping In Touch is Expensive, but Getting Cheaper

Have you ever stopped to consider how much money you’re paying to keep in touch? I’m betting that a good percentage of you haven’t. Not yet anyway! If you actually take the time to add up the amount of money you dish out every month to pay for the Holy Trinity of telecom cash cows […]

11 February 2010

Personal Finance Equations You Should Know: the Savings per Month Ratio

We’ve all heard our parents say over and over again that we’re supposed to save 10% of our paycheck, but now that you’re all grown up, have you actually taken the time to calculate just how much of your monthly income — if any — that you’re actually saving? Even if you’re a habitual saver, […]

5 February 2010

Personal Finance Equations You Should Know: the Cash Flow Equation

Paying bills is a fact of life. We all have them, and we’re required to pay them. Otherwise, after a few months of not paying them, you’ll probably find yourself sitting in a cold, dark house with no electricity, no water, and probably not have a house/apartment to sit in much longer. Therefore, keeping track […]

8 January 2010

10 Signs You Have a Debt Avoidance Problem

I drafted this article after spending two weeks of discussions with an old friend who finally acknowledged her debt was beginning to influence her behavior. By creating a budget and drawing up a plan to aggressively pay down her debt within 15 to 18 months, she now claims she can finally set down the guilt […]

5 January 2010

Why Pay Gym Membership & Personal Trainer Fees when YouTube is Free?

To get a change of pace from my normal push ups, sit ups and treadmill routine, I thought it would be a nice change of pace to go back to free weights 2 to 3 times a week or use a few high tech cardio machines (elliptical machines, rowing machines, etc.). So I popped into […]

20 November 2009

New Frugality Appears to be More than Just a Fad

When the world’s most bullish, pro-consumerism news channel suggests a new frugality movement is taking root, you know it’s more than just a fad. Perhaps this quote sums it up best… Both [interviewees] say their new frugality may be permanent, even if their finances improve. I don’t see any reason to go back to being […]

7 May 2009

Should You Adopt President Obama’s ‘Pay-As-You-Go’ Rule in Your Family Budget?

Just out of curiosity, what would happen if someone as powerful — and popular — as President Obama asked U.S. citizens to do something radical… like save money? Sounds a little far fetched right?  Just weeks ago, main stream media went out of their way to remind us it was our patriotic duty to get […]