About Terry Rigg

Terry Rigg is the author of Living Within Your Means - The Easy Way http://www.homemoneyhelp.com/ebookadpage.html and editor of The FREE Budget Stretcher Newsletter and Budget Stretcher web site http://www.homemoneyhelp.com. He has 25 years of experience counseling individuals and families concerning their personal finances.
Are You Afraid Of A Budget

There’s that horrifying word. The one that makes so many people cringe at it’s very utterance. It seems like they could make a very good spooky movie with the title “You Have To BUDGET!”

Your Finances

Which category do you fall in?

I have determined that financially, people fall into one of three categories.

Sorting Your Money

For anyone that is familiar with The Complete Budget and Bill Organizer, you already know that I recommend that you use your checking account to pay bills and cash to cover your household expenses.

Only You Can Prevent Money Problems

People experience money problems for a variety of reasons. Maybe you lost your job, used your credit cards too much, have a bunch of medical bills, paid too much for your dream home or any number of other reasons.

Setting Your Financial Priorities

Whether you know it or not, you are always setting your financial priorities. Some may decide that a new stereo system is more inportant than this month’s electric bill. This may be a little off the wall but it is still setting your priorities.

Spending More Than You Make

When you spend more money than you make each month you are bound to have money problems very quickly. The bad part is that most of us never realize we are spending that much until it’s too late.

Budget Leftovers

It is extremely difficult to setup a budget, especially when you are behind on some of your bills. Even if you can make your regular bills and expenses fit neatly into your budget, what can you do if you don’t have the money to catch up?

Why Budgets Don’t Work and How to Fix It

This article is for those families that have sat down at a desk or the kitchen table time after time trying to develop a family budget that they can live with.

Can I Afford This?

Its time to replace that old car. Your repair bills are starting to add up to more than the payment would be. But how do you know for sure if you can afford another vehicle?

Money Worries?

If you are worrying about your money problems it’s time to STOP IT NOW! Easier said than done, huh.

Planning Ahead

What do you think of that title? Just another article about the impossible task of trying to predict the future. Not this time. This is an article that may give you some ideas on, not how to predict the future, but to be ready when it gets here.

Get Serious About Your Money

What is the most important aspect of getting your finances in order? In past articles I’ve written about how important discipline, organization and sacrifice are to solving your money problems, but this all comes later.

Living On What’s Left

Are you one of those people that pay your bills no matter what? That is an admirable trait to have when managing your money. You made the bill and you feel you are responsible for paying it. Good for you.

Preparing For The Worst

I would say that most of us have experienced money problems at some point in our lives. This could have been caused by the loss of a job, injury or illness, over spending, and the list goes on and on.

How Did I Get In This Mess?

When I was younger and having all kinds of money problems, I ask myself this question a thousand times. It seemed like one day we were doing fine financially and the next we owed everybody. How can it happen so quick?

Our Kids and Their Money

When I was a kid, I can’t believe that was almost 50 years ago, my folks used to give me a nickle, dime or sometimes even a quarter to go to the corner store. When I got that money I had to go directly to the store and make sure every penny was spent.

How Much Do You Spend?
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Most of us don’t have a clue how much money we spend and what we spend it on. We spend it until it’s gone and hopefully we can find some more to spend.

Where Does Your Money Go? Taxes

Trying to stay within the theme of Budget Stretcher, I thought a series of articles on knowing where your money is going may help some of you understand just how much you pay on certain expenses.

How To Stick To Your Budget

I’ve had a lot of people tell me that setting up their budget was simple but when it came to living by it payday after payday they admitted losing interest in a very short time.

Why Have A Budget Analysis

Let’s start by defining a “Budget Analysis”. This is simply a breakdown of your budget (income, bills & expenses) showing how much money you have coming in and how much you have going out. It will show how your budget category percentages compare with what is recognized as the ideal percentages. The most important aspect of the Budget Analysis is the recommendations for improvement.