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Personal Finance By The Book

Personal Finance By The Book

Is a Gym Membership a Good Choice for Your Budget?

April 9, 2021 by Bob Leave a Comment

gym membership

After a long break from social activities, gyms are starting to open again. But in the new normal, you may want to think twice about signing up for a gym membership. Especially if you are the type of person that is conscious of your budget. When asking about the how, when, or why about gym […]

Filed Under: Budgeting, Money, Self Improvement

5 Feeble Excuses for Not Living on a Budget

January 6, 2014 by Joe Plemon 17 Comments

5 Feeble Excuses for Not Living on a Budget

Suppose you were hired to manage the funds for an entity which will be spending over $1.5 million dollars.  Now imagine that your employer asks to see your budget report.  If you say,  “I don’t use a budget…I tried it once and it didn’t work,” do you think you would still have a job?  Of […]

Filed Under: Budgeting

Envelopes: The Glue That Holds Your Budget Together

April 3, 2013 by Joe Plemon 10 Comments

“I get worn out trying to track every dollar.” “It just didn’t work.” “I’m not a numbers cruncher.” “Budgets are just too complicated.” Sound familiar? These are just some of the reasons why Janice and I have struggled with budgeting over the years. We would diligently write the numbers on a yellow lined pad, but […]

Filed Under: Budgeting

What Keeps You Awake At Night?

February 27, 2013 by Joe Plemon 1 Comment

A Discovery Health study indicates that 80 percent of respondents do not get enough sleep.  Furthermore, the effects of sleep deprivation are much more profound than feeling a bit drowsy: memory loss, weight fluctuations, a weakened immune system and high blood pressure.  And the number one cause, according to sleep.com web site, is stress. Some […]

Filed Under: Budgeting, Debt, Retirement

You CAN Cope With Rising Gasoline Prices! Here’s How.

April 4, 2012 by Joe Plemon 1 Comment

It’s happening again!  Gasoline prices are on the rise and no one seems to know where they will stop.  I realize that watching those prices escalate can be depressing, but I urge you to take a deep breath, reassess your finances, and make the appropriate adjustments.  Prices may be skyrocketing, but the sky isn’t falling…you […]

Filed Under: Budgeting, Dollars and Sense

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