The great part about this budgeting software is that it calculates everything for you. So you just enter the numbers and then the software takes care of the rest. Percentages are also automatically calculated for you.

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There are some other tools that are useful as well. In the Tools section of the CD-ROM you can use the Financial Calculators, Glossary and Check Register. The software is fairly simple (as opposed to too complicated that you get frustrated and don’t bother with it) but very useful. The Debt Snowball program is one of the best features. Enter in all your debt balances with monthly payments and it will calculate how long it will take for you debt to be paid. The Debt Snowball features also allows you to view your progress in charts and graphs.

The software is $24.95 and totally worth it. I like having my budgeting software on my computer since it’s with me just about everywhere I go. You also have the choice of downloading the software straight from the website. No need to wait on getting your budget started. Check it out! Dave Ramsey’s Personal Finance Software.

~Mona

Regardless of your FICO score, in order to achieve Financial Peace; QUIT BORROWING. We live in a society of instant gratification. We have a sense of entitlement. We work hard, we need big houses, big televisions, designer clothing, cell phones that have manuals thicker than the phone book of my home town (Marion, Alabama,) and a new car every few years. Count the number of commercials for cash advances, title loans, check cashing… etc. In case you didn’t know, these loans are a BAD idea, no matter what the “emergency” is. These commercials have women with shopping bags talking about sales that couldn’t be missed, young couples waving fistsfull of cash while driving off in a car from the title pawn saying “We even got to keep our car”. Guess what. You just pawned your car. It’s now THEIR car until you repay the loan. The interest rates that these places charge are criminal, and more often than not, you will struggle to pay it back, or you will lose the car. It will NOT be worth it. Payday loans work the same way. Additional loans are needed to pay off the first loans. Quit borrowing. No matter what society, or some marketing team tells you: you can not borrow your way out of debt.

The most alarming to me is cashcall.com. The “whatchu talking about Willis” former child star is crying that he tried to auction his clothes, and even his car, but then Cash Call gave him the money he needed. The rates on these loans are ridiculous, and vary from state to state. The way to stop this kind of indebtedness, is to #1 QUIT BORROWING, and #2, use common sense. As a resident of Virginia, to borrow $1,500 from cashcall.com, after the “loan fee” of $500, I’d walk away with 1k. After 12 months of monthly installments of $159.83 for a total of $1917.96, nearly 100% of the amount I walked away with. If I were to borrow $2600, the loan fee goes down to a mere $75 but I’m paying $216 a month for three and a half years. My total repayment would be $9095,10. The premise of the commercial is that poor Gary Coleman needed to sell his stuff to get money. Despite the message, that’s exactly what he should do! Calling cash call is the dumbest thing that could be done. Even if I needed this loan to keep my lights from being cut off, I’m paying them the equivalent to a light bill for the next 3.5 years, putting myself in additional financial stress for the next 3.5 years. I’m just extending my financial burdens. If you’re getting these loans to buy something you can’t afford, think about what you could have afforded. Think long term.

Desperate times call for desperate measures. When your finally desperate enough you will quit borrowing. QUIT BORROWING. But, they’re going to repo my car. Sell it, don’t title pawn. Sell it for blue book. They’re going to take me to court and get a judgment and destroy my credit. Okay. Since you’re not borrowing anymore, my FICO doesn’t matter to me. Being a mature adult means delaying gratification, being responsible for the consequences of my bad decisions, and making restitution. Continuing to make bad financial decisions isn’t going to save me from a judgment in the future. It will only prolong financial stresses which branch out into every aspect of my life. Ever laid in bed at night and worried about money? In the shower? Do you get a pit in your stomach when you check the mail, or screen calls because you’re tired of talking to collectors? Get out of it. Quit borrowing. Save 1,000 in cash for “emergencies”. Pay yourself first. Pay for your shelter, food, utilities, and transportation. If there is any left over, pay your unsecured debt using the debt snowball. You can not borrow your way out of debt. No matter how cute the commercials, it will only cost you more in the long run. Cut your lifestyle and live your wage.

You can not borrow your way out of debt.

You can not borrow your way out of debt.

You must make hard, common sense choices to get free of the debt you’ve incurred. After you’ve quit making excuses, rationalizing and making the decision to quit borrowing, reevaluate your lifestyle. What about all those necessities you can’t live without? If you’re serious about getting out of debt, if you’re tired of the stress that comes along with being in such debt, you’ll live without them. Go to the bare bones. Turn off the cable, do you need a land line and a cell phone? Cut down your groceries and buy generics. Don’t eat out. Don’t eat out. Don’t eat out. Cut all unnecessary spending. Starbucks got way too much of my money. Turn down invitations to birthday parties. Lunchbag it at work. Don’t eat out. Get a 2nd job or work overtime. Have a yard sale. Sell something. Come up with the money before you borrow more. You can not borrow your way out of debt. In the end, you have to make the decision either to keep living a lifestyle you can’t afford, and borrowing, or to live your wage, pay off your debts, and be free from these financial burdens. It isn’t forever. In fact, Dave estimates that it takes about 2 years for people to pay off their debt. Wow. 2 years of bare bones living or 5, 10, 15, 20, a lifetime of living in debt.

~Manda

HerProBlog.COM is a website dedicated to helping women bloggers create and maintain professional quality blogs. The project has already brought a lot of interests and subscribers. The website is starting out with a some great stats:

Page Rank 3
132 Subscribers
426,000 Alex Rank

HerProBlog.COM is a multi-authored blog. We have a total of seven authors including myself.

I would love for you to stop by my new website. Men and women both can benefit from this site.

The reason I a have been so busy lately and haven’t had much time to write is because I have been working on my latest website. ProBlogHer.COM is a website geared toward women bloggers who are interested in taking the necessary steps toward professional blogging. I am really excited about this project and expect it to be very successful. At this point I can’t tell you much more so you will have to visit the site and subscribe the email updates. I will offering articles about this site and information about when the site will officially launch. This project has been in the making for about 6 months so I have put a lot of thought into it. I really think readers will benefit from this site. This site is geared toward women but men a certainly welcome to be apart of this site. Visit ProBlogHer.COM for more info.

Check out the posts I have so far.

15 Things I Learned In 2007 That Improved My Blogging and Increased My Income

#15 – Not all monetizing options are best for you blog.
#14 - Don’t be afraid to set goals and don’t be afraid to fail.
#13- Strive to become an authority.
#12 – Contribute quality content to other blogs and networks.
#11 – Write down your ideas.

This also happens a lot in the “Make Money Online” scene that is sweeping the web. Many people who discover they can make money online start a make money online blog. I am one of those people. Time To Budget started out being a personal finance and make money online blog. Once I figured out that the “make money online” part of this blog was not helping market a specific niche, which is personal finance, I decided to stop writing posts about making money online.

I did still think that the discoveries I made about online income sources needed to be shared with others so I created another blog for my other interests, which includes social media, blogging, and making money online. The goal for iwebis is to follow changes happening with in the net so I still think the “make money online” article stick to the niche.

So what is my point anyway? Since I started blogging about a little over a year ago I have discovered a ton of ways to make money online. Most having to do with blogging but not all. The truth is making money online is not hard to do but the amount of money you earn is a different story. Going from making a few dollars a month to hundreds of dollars a month is not simple but it is doable.

I would recommend to anyone researching ways to make money online to first consider your interests outside of making money and outside of ideas that include making money off of people who are in need of money. Consider what things make you tic and that you are passionate about and start there. Not all interests are great money makers but most are. If you are trying to make money through blogging remember to have your own voice. Don’t try to recreate what someone else has already created, especially a popular blog.

Since I started taking blogging to a higher level I have not become a millionaire but I have made a decent amount of money.  Within the last three months I have made about $600 between both Time To Budget and iwebis. No where near people like John Chow and Problogger but it’s still an income. A much needed income that is helping our family gain steps closer to the other side of the financial freedom fence.

If you are looking to find legitimate ways to make money online visit my other blog iwebis as well as DoshDosh and Problogger.

When I changed themes some things didn’t transfer over very well. For instance, the blogroll is all messed up. In the previous theme I had different blogrolls for making money online and favorite websites. So I will have to spend time separating the blogroll into two or three categories.

I will still be modifying the sidebars and the footer a bit but everything else is pretty much going to stay as is. The old theme was good to me and I am very thankful for being able to use it for almost a year. I hope you like the new theme.

Last year about this time I had my priorities all screwed up and spent entirely too much time on the internet. So this year I decided that I needed balance. I only spend about 20 hours a week working online and try to keep God and family at the top of my priority list. I got to a low point last year where I the whole family was upset about the way I was prioritizing my time. So ever since then I have been actively trying to find ways to improve my blogging schedule.

So my new blogging schedule will include assigning certain topics to days of the week. I plan to do this with all of my blogs to that I can save some time by not having to think about what to write about. I also thought readers might enjoy following a schedule. Here is what it will probably look like for Time To Budget.

Mondays – Debt Talk – Articles about getting out of debt, debt help, debt advice, etc.

Tuesdays – Budget Talk – Articles about budgeting techniques, budgeting struggles, budgeting advice, etc.

Wednesday – Encouragement – Articles encourage others who are trying to get out of debt. This will also include debt stories of other people.

Thursday – Product/ Service Reviews – I am going to try and limit sponsored and non-sponsored reviews to this day.

Friday – Financial Freedom BlogRoll – Will comb the net for great sites dedicated to gaining financial freedom.

Sat/Sun – Days off

I think this schedule will help me keep a bit more consistent. I will be going on vacation in a few weeks so this schedule may not take effect completely until August.

This post is sponsored by: Dish Network Deals. Find the best deals on satellite tv. 

If you are looking to make money blogging check out my new blog iwebis. I used to write more about making money online on this blog but decided to create a new blog that follows the changes in online income sources as well as social media, web 2.o and blogging.

Now that I am making passive income blogging it’s been a lot easier to make money. Your goal should be to make a passive income.

I did a google search and found this favicon creator site. It was easy and of course free. All I had to do was upload the image I wanted to use, save it to my computer, upload it to my server and then place the code they give you into the header of my template.

The give you step by step directions and it’s real easy to follow. Why would you want and favicon image? Well, it sets you apart from all the other sites that don’t have one. Especially if someone favorites your website. The little image shows up in your favorites folder as well.

The images are so small that sometimes it’s hard to tell what they are. In case you don’t know what my image is here it is enlarged.