Comments on: 10 Tips for Saving Money in Tough Times http://christianwomenonline.net/issue/2009/06/10-tips-for-saving-money-in-tough-times/ Uniting Women of Faith Thu, 18 Mar 2010 19:46:57 +0000 http://wordpress.org/?v=2.9.2 hourly 1 By: Lisa http://christianwomenonline.net/issue/2009/06/10-tips-for-saving-money-in-tough-times/comment-page-1/#comment-2110 Lisa Mon, 11 Jan 2010 02:06:48 +0000 http://www.christianwomenonline.net/issue/?p=1723#comment-2110 In 2005 I created what I called my "4 1/2 year plan" to get out of debt except for the mortgage. In less than a month, I will be debt free, 4 months early. If I had not begun my plan with a budget and stuck to it, I would not have succeeded. Well, that and a lot of prayer. In 2005 I created what I called my “4 1/2 year plan” to get out of debt except for the mortgage. In less than a month, I will be debt free, 4 months early. If I had not begun my plan with a budget and stuck to it, I would not have succeeded. Well, that and a lot of prayer.

]]> By: Marybeth Whalen http://christianwomenonline.net/issue/2009/06/10-tips-for-saving-money-in-tough-times/comment-page-1/#comment-1840 Marybeth Whalen Wed, 17 Jun 2009 23:55:35 +0000 http://www.christianwomenonline.net/issue/?p=1723#comment-1840 For us, devising a budget and sticking to it was the first step to getting out of debt. It might be hard to stick to, but it is how you know exactly where your money is going. We discuss our budget a lot. It is not a once-for-all deal. Instead it is a fluid thing with constant need for tweaking. It helped us to see our whole financial picture more clearly. We stick to it closely and talk about it regularly. We offer a whole chapter on how to create a budget and how to communicate about it in our book, Learning To Live Financially Free. For us, devising a budget and sticking to it was the first step to getting out of debt. It might be hard to stick to, but it is how you know exactly where your money is going. We discuss our budget a lot. It is not a once-for-all deal. Instead it is a fluid thing with constant need for tweaking. It helped us to see our whole financial picture more clearly. We stick to it closely and talk about it regularly. We offer a whole chapter on how to create a budget and how to communicate about it in our book, Learning To Live Financially Free.

]]> By: CM http://christianwomenonline.net/issue/2009/06/10-tips-for-saving-money-in-tough-times/comment-page-1/#comment-1835 CM Tue, 16 Jun 2009 21:27:41 +0000 http://www.christianwomenonline.net/issue/?p=1723#comment-1835 Not trying to contradict you or be contentious at all....I went through Dave Ramseys FPU twice and have read many many books on finance,savings ect..I am wondering how many people truly really consistently stay on a budget? NONE of my friends do ...ok there is one but she is so organized and perfect no one likes her. I think budgets are over rated. SAVING....that is key. Heres how our money should go...God first (tithes offering)then SAVING then bills. If we save before we do anything else and cut out debt we can actually retire on something more than frozen pizza. Budgets are never adhered to. They are made and then disregarded. A loose plan is imperative but a strict budget breeds guilt and a sense of *I can never do this!!* CM Not trying to contradict you or be contentious at all….I went through Dave Ramseys FPU twice and have read many many books on finance,savings ect..I am wondering how many people truly really consistently stay on a budget? NONE of my friends do …ok there is one but she is so organized and perfect no one likes her.

I think budgets are over rated. SAVING….that is key. Heres how our money should go…God first (tithes offering)then SAVING then bills. If we save before we do anything else and cut out debt we can actually retire on something more than frozen pizza.

Budgets are never adhered to. They are made and then disregarded. A loose plan is imperative but a strict budget breeds guilt and a sense of *I can never do this!!*

CM

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