Dreams can Come True

 Sometimes circumstances change and a  moment comes along when  you feel that maybe there is a light at the end of that long dark tunnel. You steadily work on the surveys and the day comes when you can turn that PalPal account  into the deposit in your bank account, increasing the amount there.   It doesn't happen everyday. It would be nice if it did, but it is welcome after tax time to have a little coming in.    Dave Ramsey suggests you start a budget with that little you do have. Work it out so you have an emergency fund that will be untouched. Which is hard to do if you are used to living by the daily paycheck. Alongside this you are to put some money aside for daily debt. Work at sending some to pay down that debt. This is not from your emergency fund. I would suggest in this budget you are following you have a portion go into the emergency fund and a portion into the debt fund.After all, you are working on debt reduction.   And a por...

      Have you heard of Dave Ramsey? I am sure you have. He is a big name now in the financial planning realm.       Okay. If I had been as careful with my budget and my spending I wouldn't be in the situation I am in at the moment.. in dedbt and struggling to sell things through affiliate marketing.       But he wasn't around when I started and his idea is to start young and train properly. Debt is enslavement to the lender. Credit cards are not good.       Start with the envelopes of giving, spending and saving. Divide your money between the three. Spend only what is in the envelope . No more. Once gone it is gone. Save a percedntage. Give a percetage.       Move from there to the checking account. Balance the books. Watch your money. Save up for big purchases. Don't go into debt for education. Pay for what you can afford.      ...