Comments on: 5 Habits That Will Help You Find Financial Stability http://ptmoney.com/5-habits-that-will-help-you-find-financial-stability/ Real Personal Finance for a Life Without Limits! Thu, 29 Mar 2012 02:15:21 +0000 hourly 1 http://wordpress.org/?v=3.3.2 By: Chelseahttp://ptmoney.com/5-habits-that-will-help-you-find-financial-stability/comment-page-1/#comment-3471 Chelsea Thu, 01 Jan 1970 00:00:00 +0000 http://ptmoney.com/?p=2627#comment-3471 Hi PTMoney,Hi there, Chelsea with Quicken Online. I certainly agree with Trisha's five finance habit suggestions as a starting point for anyone looking to get their finances in order. I'm currently on the "Eliminate and Avoid Debt" train, and have been for a couple of months now.When it comes to evaluating your expenses, free services like Quicken Online are a a great way to quickly figure out where you're spending your cash. Wonderful guest post! Thanks.- Chelsea, Quicken Hi PTMoney,

Hi there, Chelsea with Quicken Online. I certainly agree with Trisha’s five finance habit suggestions as a starting point for anyone looking to get their finances in order. I’m currently on the “Eliminate and Avoid Debt” train, and have been for a couple of months now.

When it comes to evaluating your expenses, free services like Quicken Online are a a great way to quickly figure out where you’re spending your cash. Wonderful guest post! Thanks.

- Chelsea, Quicken

]]> By: PThttp://ptmoney.com/5-habits-that-will-help-you-find-financial-stability/comment-page-1/#comment-3470 PT Thu, 01 Jan 1970 00:00:00 +0000 http://ptmoney.com/?p=2627#comment-3470 Inky - This is the kind of comment I like to see. Thanks for sharing your progress. I can tell you are fired up and making strides towards financial security. Way to go! Inky – This is the kind of comment I like to see. Thanks for sharing your progress. I can tell you are fired up and making strides towards financial security. Way to go!

]]> By: PThttp://ptmoney.com/5-habits-that-will-help-you-find-financial-stability/comment-page-1/#comment-3469 PT Thu, 01 Jan 1970 00:00:00 +0000 http://ptmoney.com/?p=2627#comment-3469 @tom - I participate in my 401k at 10%, plus I do a company ESPP at another 10% (this is cashed out every 6 months and used for debt repayment or property taxes).In addition to that, we have about half of the remainder of our paycheck go into an ING savings account (e-fund, vacations, etc.). The remainder goes to our ING checking account for bills and spending.It creates a false scarcity for us, which keeps us motivated. @tom – I participate in my 401k at 10%, plus I do a company ESPP at another 10% (this is cashed out every 6 months and used for debt repayment or property taxes).

In addition to that, we have about half of the remainder of our paycheck go into an ING savings account (e-fund, vacations, etc.). The remainder goes to our ING checking account for bills and spending.

It creates a false scarcity for us, which keeps us motivated.

]]> By: tomhttp://ptmoney.com/5-habits-that-will-help-you-find-financial-stability/comment-page-1/#comment-3468 tom Thu, 01 Jan 1970 00:00:00 +0000 http://ptmoney.com/?p=2627#comment-3468 How much do you usually pay yourself first each month? How much do you usually pay yourself first each month?

]]> By: Inkyhttp://ptmoney.com/5-habits-that-will-help-you-find-financial-stability/comment-page-1/#comment-3467 Inky Thu, 01 Jan 1970 00:00:00 +0000 http://ptmoney.com/?p=2627#comment-3467 as someone relatively new to frugality and budgeting since January of this year, I am happy to say that these 5 easy steps are really the key to making it work. We started by using Pear Budget for 30 days to see where we really stood. We'd been paying ourselves since March of 08 with a small ($50 a month) emergency fund that is now an amazing (for us!) $600. We just increased this to $150 a month because we've managed to pay off a credit card since January 09, and are snowballing into the next chunk of debt. We no longer use our cards at all, and we have budgeted for clothing, entertainment and dining out, so we do not feel deprived in any way. And any dollars left in those three slots goes to pay off debt at the end of the month. It's amazing how easy it was once we started. I hate that we let ourselves get so far in debt, but I am proud of our small steps in the other direction and can't wait to see where we are in a year! as someone relatively new to frugality and budgeting since January of this year, I am happy to say that these 5 easy steps are really the key to making it work. We started by using Pear Budget for 30 days to see where we really stood. We’d been paying ourselves since March of 08 with a small ($50 a month) emergency fund that is now an amazing (for us!) $600. We just increased this to $150 a month because we’ve managed to pay off a credit card since January 09, and are snowballing into the next chunk of debt. We no longer use our cards at all, and we have budgeted for clothing, entertainment and dining out, so we do not feel deprived in any way. And any dollars left in those three slots goes to pay off debt at the end of the month. It’s amazing how easy it was once we started. I hate that we let ourselves get so far in debt, but I am proud of our small steps in the other direction and can’t wait to see where we are in a year!

]]> By: Nate @ Debt-free Scholarhttp://ptmoney.com/5-habits-that-will-help-you-find-financial-stability/comment-page-1/#comment-3466 Nate @ Debt-free Scholar Thu, 01 Jan 1970 00:00:00 +0000 http://ptmoney.com/?p=2627#comment-3466 If you do not allow yourself to get into debt, you can save yourself much pain and misery.Thanks, Nate If you do not allow yourself to get into debt, you can save yourself much pain and misery.

Thanks,
Nate

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