Planning
Imagine, Design, Create, and Manage your projects: website, instructional, organizational.
Authoring
Writing and editing technical books and documents, fiction, and instructional content in the form of books, papers, & blogs.
Instruction
Instructional systems design, instructor coaching, capacity building, and training delivery.
Latest Blog Posts
Overdraft Notices Can Be Avoided
I recently saw an television ad for a bank that offers overdraft notification so that you can choose how to fund the mistake. My first thought, “If the person was managing their money properly, they wouldn’tContinue reading “Overdraft Notices Can Be Avoided”
Credit Cards Can Make You Money and Raise Your Credit Score
We’ve all heard about credit cards that give you miles, cash back, and/or any number of benefits for simply using them. The tricky part about credit cards is their ease of use and how quickly theContinue reading “Credit Cards Can Make You Money and Raise Your Credit Score”
My Drupal is Showing
I posted a personal finance management series and opened one of the pages, just to see it live. I clicked on an embedded link and it went to a locked page. I recognized the locked page.Continue reading “My Drupal is Showing”
Financial Headaches: A Series on Personal Finance Management
The process of balancing your checkbook isn’t just about knowing how much money you have to spend right now. It can yield huge insights into your future. “Years before I created the technique shared in thisContinue reading “Financial Headaches: A Series on Personal Finance Management”
Lesson 1: Checkbook Duh! Factors
Before you can dive into managing your personal finances (checkbook balance, budgets, savings, loan payoffs, etc.), there are some basic money management concepts that you need to know. Duh! Right? Perhaps you already know the basics,Continue reading “Lesson 1: Checkbook Duh! Factors”
Lesson 2: A Map of Personal Financial Processes
In Lesson 1: Checkbook Duh! Factors, you were introduced to the concept of lagging and future commitments. In other words, the bank doesn’t know if a check is about to be cashed or that you willContinue reading “Lesson 2: A Map of Personal Financial Processes”
Lesson 3: Get Ready
In Lesson 2: A Map of Personal Finance Processes, you were introduced to the processes for managing personal finances. In this lesson, you will explore the process of getting ready to track your current status andContinue reading “Lesson 3: Get Ready”
Lesson 4: Set Up the Spreadsheet
A paper transaction register is part of the past, but its purpose never will be. With a spreadsheet, manual computing is no longer needed. And forget about sloppy handwriting. Typed entries are the way to go.Continue reading “Lesson 4: Set Up the Spreadsheet”
Lesson 5a: Single Monthly Paycheck Plan
If you completed the tasks in Lesson 3: Get Ready and Lesson 4: Set Up the Spreadsheet, you are ready to move forward in preparing your digital tracker and planner. In this lesson, you are goingContinue reading “Lesson 5a: Single Monthly Paycheck Plan”
Lesson 5b: Twice a Month Paycheck Plan
If you completed the tasks in Lesson 3: Get Ready and Lesson 4: Set Up the Spreadsheet, you are ready to move forward in preparing your digital tracker and planner. If you reviewed Lesson 5a: Single MonthlyContinue reading “Lesson 5b: Twice a Month Paycheck Plan”
Lesson 5c: Every Two Weeks Paycheck Plan
If you completed the tasks in Lesson 3: Get Ready and Lesson 4: Set Up the Spreadsheet, you are ready to move forward in preparing your digital tracker and planner. If you reviewed Lesson 5b: Twice aContinue reading “Lesson 5c: Every Two Weeks Paycheck Plan”
Lesson 5d: Front Loaded Paycheck Plan
Let’s start by explaining what I mean by front loaded. The concept is simple. The income from one month is used to pay the next months commitments. Instead of talking about it, consider a sample usingContinue reading “Lesson 5d: Front Loaded Paycheck Plan”
Lesson 6: Tracking Actual Commitments
You planned that your electric bill in January would be $100. The odds that a utility bill is an even $100 are low so this is a perfect example of a planned commitment that needs toContinue reading “Lesson 6: Tracking Actual Commitments”
Lesson 7. Balancing Against the Bank
If you are just joining us, we are near the end of the series on personal finance management. This is the part where you reconcile the balance shown in your digital tracker and planner with theContinue reading “Lesson 7. Balancing Against the Bank”
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About Us
I am Cindy McCourt doing business as IDCM Innovations; helping you Imagine, Design, Create, and Manage your web and instructional projects.
Get In Touch
- cmccourt@idcminnovations.com
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Fairfax Virginia
USA
