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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”
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”
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”
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”
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”
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”
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”
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”
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”
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”
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”
At the end of Lesson 7, Balancing Against the Bank, the front loaded plan was balanced against the bank and the January withdrawals do not exceed the income assigned to that month, even with the $50Continue reading “Lesson 8. Adjusting for the Future”
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I am Cindy McCourt doing business as IDCM Innovations; helping you Imagine, Design, Create, and Manage your web and instructional projects.
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