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Friday, February 23, 2007 Pay Day Loan Hell! This morning on the news there was a piece on the US Navy trying to get legislation passed to stop fellow navy people going through "Pay Day Loan Hell". Makes sense that they want to stop the 450% interest that they charge. Makes sense that knowing you are trapped with an interest rate that high would make it hard to focus on your job when you are deployed and when you are not. Makes sense that they would want to stop this. But what does not make sense is why they are not better educating the Navy people on why pay day loans are so bad. It's a 2 fold issue, yes, our Military deserves better. Better pay and better education on money. Since we are not in a position to increase pay we owe it to the service men and women to provide better education on all money issues.  So until I can add a page on pay day loans, please don't use them. It's a horrible cycle. If you are in a desperate enough situation that you need the money that bad, it's likely that you can not realistically make the payment terms either. Be warned!  1:54 pm pst Thursday, February 22, 2007 Look at every money transaction as a way to save. Look at every money transaction as a way to save. So the best way to have more money is to quit spending but we all know that it's not a realistic goal. It is a realistic goal to only spend on absolute necessities though. So for every necessity you need to ask yourself "how can I spend the absolute minimal amount to satisfy this need". An example would be food. You have to eat. If you don't you will die. This is an absolute necessity. So how can you spend the least amount? I've been working on a page specific to food, access it here FOOD SAVINGS . A bigger necessity for many people are cars, here's my car savings site   CAR SAVINGS . I like to really think this way when I purchase everything from tires to a hair cut. Next time you are buying anything think how can I save on this purchase... alot of time you just have to ask! Try this one, "can you do any better on the price"? Or another favorite way to save, get a few quotes and negotiate! Let me know your favorite deals and how you got them! 2:35 pm pst Wednesday, February 21, 2007 Enough Complaining.... Start doing! This is my favorite organization and budgeting item! It's soooo easy, and it works. Even if I didn't tell you how to use it you would still be able to figure it out. It was by far the best of the cheap type investments I've made. It's saved me on late fees and interest rate hikes by being my double checker and making sure my bills are paid on time. I've seen them everywhere from Target to Office Depot. Now go buy one and use it! 12:13 pm pst

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Hi! I'm Heather Reese, founder of the No Excuse Budget I realize the importance of having control of your finances and this website and blog are dedicated to everything personal finance related. Times are changing and everyone needs advise and encouragement to keep on going while working towards your best financial future. Discover my proven system for:      ·organizing your bills      ·paying your bills on time      ·cutting back on expenses      ·building wealth Check back daily for my new blog posts...and welcome to the No Excuse Budget way of life!

Quick Links Budget System Overview- Need a budget? Living above your means? Do you need to spend less money and/or make more money or just get control of your spending? Learn how the No Excuse Budget wil lhelp you. Step One, Gather Supplies- Learn what you need to put together the perfect budget. From paper to pen and more see what it takes to create your personalized monthly budget and debt reduction plan. Step Two, Start Budgeting-  Time to fill out the free budget worksheets. You'll compiling your bills and income so you'll have a clear picture of where you are at financial and plan for where you want to be. Step Three, Evaluate and Plan- Get ready to plan your future. Take control and make a budget that works for you! Using the No Excuse Budget Free Debt Reduction Worksheets will enable you to set a plan of attack on your debt. Step Four, Prepare and Organize- You've created a budget, but what about everything else that comes with budgeting? Learn to pay your bills on time with the doube check method and how to protect your identiy in one easy step. Step Five, Fine Tune that Budget-  Search through your budget for ways to cut back on your spending. Learn if it's a need or a want. Articles to spend less and save more. Free Budget Worksheets- download the No Excuse Budget free budget worksheets. Free Debt Reduction Worksheets -download the No Excuse Budget free debt reduction worksheets. Save Money On Food- Save on your grocery bill, save money when eating out, learn to use coupons to cut your food spending in half, save by ordering food online. Online Savings- Learn to use the internet to save you money. Don't go to the mall without reading about onine savings first.