Money & Finance #59: Credit, Money Management, and Saving

1. I read the credit report article. I found our quite a bit of information. I did not know that their were three reports that they look at. Just recently after looking at a show on TV about credit I am learning more and more of its importance. My goal is to keep a good eye on these issues. I took the exam I made a 90.

2. Spending budget has become a top concern of mine. I have a journal that I keep to help me keep a record on what I am spending. I am even cutting back on eating out as much. Guess what I do not like to cook But It is time to make some changes if I would like to have a little more money in the pocket. Actually I think this is more of a discipline issue.

3. Thanks for this information it has shed more light on the retirement. What retirement has showm me that it is more to it than what I thought. The more information you have the better it is to make a quality decision as to when you really want to do it. What I have noticed with a lot of people. Retirement to them is changing ome job and working for someone else. It seems that the stories I heard throug the years is not what it really is. Work and more work. Just a thought.

Money & Finance #58 Banking, Budgeting and Spending

Online banking is a good idea if you like doing it all of the time. It is good if you want to check on your information after hours. I use a credit union banking and they do have online services. However, I personally like going to the bank and handling my business. The site is secure and they offer a lot of services online. However, I pefer doing it the old fashion way but for emergency purpos banking online is great.

2. Budgeting is a state of mind and discipline. I have begun to start seriously budgeting. I was looking at a show the other night about how to become un-broke. As I looked at it I took a look at where I was and I don't like it. So I made a serious decision to change the way I look at money. Money is a serious matter and I want to be responsible how I handle it. I have started a journal with my spending. This will give me a good idea of how I am spending and where it is going. I am opting to increase my savings and just doing basic finance 101.

3. I read the article and there were a lot of interesting things to take into consideration. With these helpful tools if adds to what I have already considered.
coupons and cheking the prices more closely and jotting things down is the best step in the right direction.