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Countdown to Christmas by Hallmark Channel

Thursday, December 29, 2011

A Budgeting Solution to Keep You Sane

By AMANDA STEINBERGSent: Monday August 29, 2011
Amanda's Budget Chart

I've always been a yo-yo budgeter. Some months I'd be the DailyWorth poster-child for clarity; in other months I'd fall into a Money Coma, resulting in over-spending.


Then, I came up with an ingenious solution: I took the old tactic of multiple savings accounts and twisted it—I opened multiple checking accounts.
  • First, I figured out my monthly nut (more-or-less fixed expenses like rent, car payment, child care, etc.). Now I keep that amount in my main checking account, at Bank of America. That’s my bills account.


  • Next, I identified how much CASH I needed each month for variable expenses like groceries, diapers, Vanity Fair, gas, babysitters, and occasional cocktails with Ramit.
I now transfer $200 a week (automated) from my checking account into a separate ING Direct account* with its own debit card. That’s my spending account.


Why it works: Now I can call up the balance in my spending account on my iPhone, and I know exactly how much money I can spend. And I never “accidentally” spend the money that’s meant for bills.


For savings, I automatically transfer $50 from checking into three different savings accounts each pay period so that I don’t overspend on clothes, gifts or travel.


Yes, it takes some time to get everything coordinated (and for your debit card to arrive), but trust me—it's a minor investment of time for a big gain in sanity!


Check yourself. What tweaks have helped your budget better fit your life?

*ING Direct is a DailyWorth advertiser. We receive no compensation for this mention.

Sunday, December 18, 2011

Mystic Pyramid




This would be so cool to have fun with. Will all my wishes come true?

Saturday, December 03, 2011

Quotes

--"The hardest thing in life is knowing which bridges to cross and which ones to burn"--

--"Sometimes if you love someone you got to let them go" -- 

Mark had to find out something the hard way and I had to let him find out.



--‎"Did you know the people that are usually the strongest are usually the most sensitive? Did you know the people who exhibit the most kindness are the first to get mistreated? Did you know the one who takes care of others all the time are usually the ones who need it the most?

Did you know the 3 hardest things to say are I love you, I'm sorry, and Help me. Sometimes just because a person looks happy, you have to look past their smile and see how much pain they may be in."--

Health Tip of The Day

Chronicles of Narnia

Book 1 The Magician’s Nephew

Book 2 The Lion, the Witch, and the Wardrobe

Book 3 The Horse and His Boy

Book 4 Prince Caspian

Book 5 The Voyage of the Dawn Treader

Book 6 The Silver Chair

Book 7 The Last Battle

SOITC

Jennifer Hoover (Special Olympics Athlete and Advocate)