Why a cash only budget might be right for you

CASH MAY BE EASIER FOR YOU   Not everyone who uses a budget likes to use cash but some people were meant to use the cash only budgeting system because it’s right for them. A budget for us meant that it was going to help us build wealth and keep us debt free along the way. So far I have to say it’s doing its job but it’s not working on its own. It takes two, the budget and you to work. Cash is something that most people hang on to for dear life and not in the sense of saving but making sure they don’t lose it. Why? It’s simple. Cash can get you from point A to point B or buy you whatever you need. Cash is what makes the world go round and what keeps most people sane simply because when we have no cash, life sucks. The problem with cash for some people is that they don’t know how to hang on to it nor do they know how to use a credit card properly. Forget the credit card the debit card is a much easier form of plastic to blow money with and it’s used […]

What’s in your pockets? : The Saturday Weekend Review #63

CHECK THEM TWICE   Empty out your pockets folks, then donate. Donating pants, shirts, toys, furniture etc. to second-hand shops is a great way to help others out who are looking for a bargain. How many of you check through each article of clothing or furniture that you donate before you let someone haul it away? Probably many of you can come forward right now to say you are guilty of not checking pockets before you donate. If you plan to donate clothes make sure you know where that last mustard stain landed just in case you are that one person who forgets a wad of money in the pocket before you give them away. If you are like me you don’t like to keep every penny you own tied up in a bank or investment. You have a stash of money at home although nothing serious enough to go rampant over if it was misplaced it’s simply a bit of cash to get you by if you need some cash. I for one like to keep my money in the bank and don’t keep excess amounts of cash lying around the house although some people come up with unique […]

The power of plastic points

If you’re like most people, you probably have a wallet full of colourful plastic cards that are taking up space and making it harder and harder for you to close the clasp! If you look through them, you’ll likely discover that while some of these cards are useful credit and debit cards than a few are loyalty cards you just never use. It’s understandable how anyone can end up with such a collection. Practically every retailer offers a loyalty point scheme. At the time, it can be hard to think of a good reason to refuse and with a little effort, the points we collect with plastic can be worth it … as the following tips show.   Be selective of points cards   Before saying yes to every loyalty point card which is put under your nose, think about how often you shop in a particular store. Is it really worth the effort of filling out the application form? Think about where you would shop regularly even if you weren’t part of a loyalty scheme. Once you’ve identified these stores then take advantage of the schemes that they offer. One of our favourite shops to use a rewards points […]

PF Weekly grab a brew #33: Kindness from a stranger

Would You Do The Right Thing? I’d like to think that there are good people still in this world and I am one of them. There is nothing wrong with coming in second or third or not at all as long as you play the game right. We fear failure but when we see a way to buck the system we jump on it and for many with no guilt or after-thought. I can’t say that I’ve stumbled upon anything more than some loose change on the ground in a parking lot but you can bet if I found something that wasn’t mine I’d do my best to get it back to its rightful owner. My luck seems to be finding pets and  well, you can bet I’ll be do my best to get them home. So where are all these good people then? There are amongst us and although not everyone wants their good deeds broadcast to the world every so often something spectacular like this happens. Finding money One of those good people, Paul Williams of Sacramento who works at Wal-Mart did the right thing. He was on his way home and ready to catch the bus when […]

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