Snowflake Target (Christmas Resolution)
Welcome to How I Save Money!
Most people wait until New Years to make resolutions or to set goals. I am making a Christmas resolution to pay off a credit card by March.
I have written about my snowflake process before and how I take any extra money to pay towards certain targets.
My next target is the Capital One credit card which currently has $727 at 0% interest rate. I had been paying the minimum on this card because it was at a zero percent interest rate and my money would have been better put to use elsewhere.
Dave Ramsey’s Baby Steps: My Take
I have been hearing a LOT of talk about Dave Ramsey’s Baby Steps approach but never paid attention to it.
Then today I decided to bite the bullet and go see what all the hype is about.
Basically, Dave lists a series of baby steps that everyone should take in order to become financially independent. These steps are as follows:
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$1,000 to start an Emergency Fund | |
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Pay off all debt using the Debt Snowball | |
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3 to 6 months of expenses in savings |
How I Deal With My Debt
This is part of a Debt Bloggers Network group writing post.
A few people have asked me how I deal with my debt and how I find ways to save money. I do a combination of things to keep my finances straight because I am no financial expert.
Here are some of the things I do to manage my money:
Budget
Utilize Credit Rewards
Use Coupons
Bank Online
Snowflake Payments
How The Recession Has Affected Me (Debt Bloggers Network Group Writing Project)
You guys and gals know that I am a part of the recently formed Debt Bloggers Network. We strive to share our personal stories of dealing with debt in order to help others not make the same mistakes that we did.
Every month we write on a group topic and the topic for the month of November is *The Recession*.
Whether you want to want to call it a recession or not, the recent trends in the economy have pointed to some bad financial times for almost everyone.
Save Money by Air Drying Your Laundry
Welcome to How I Save Money . Today I will be showing you a really simple way to save money on your laundry costs this summer. Why not take advantage of the hot weather and air dry your laundry?
Now I know the majority of people will say they live in apartments or neighborhoods where you are not allowed to hang lines. That is okay. I am air drying my laundry inside of my apartment and it is working out great.
Carnival of Snowflaking: Different Flakes, Same Goal
Welcome to the Carnival of Snowflaking June 2nd edition
We all know that every snowflake is different, even though they are all essentially the same thing. The same rule applies to the following posts on snowflaking in its various forms. Everyone has a different take on snowflaking but in the end we all have the same goals.
Chargrylls presents Seek Out Opportunities to Snowflake Big
posted at Debt Non Sequitur .
Here you really have to actively look for opportunities to snowflake in order to find them. Once you start to find the snowflaking opportunities you will find the going gets much easier.
