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Welcome to Budgeting Basics and Beyond where I teach families to organize their budget so they can selectively splurge and live a more relaxed and enjoyable life.  My philosophy is that extreme budgets, much like extreme diets, often lead to failure and make the situation worse.  We don't need to eat ramen noodles for dinner every night and deny ourselves every comfort or luxury.  But we also cannot go wild with spending in every area of our lives.  It's all about achieving a financial balance and deciding what is most important to you.

There was a time in my life where I lived on the edge of my finances, spending and splurging on anything I saw.  Guess what?  I wasn't able to do the things I loved, like travel. I frequently found myself unable to participate in social activities, even something as simple as going to lunch with a friend, if they fell too close to paycheck time, and my bills were not paid on time.  Just thinking about it makes me feel stressed.

I finally decided enough is enough.  This was not the example I was shown when I was raised, and it's not the way I wanted to live my life.  That's when I took control of my finances and developed a forward looking plan.  I can help you do the same!

Ziplining across the Royal Gorge is just slightly less frightening than facing debt.

 


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I've been trying to appeal to our health insurance to cover general anesthesia for my 6 year old's upcoming fillings/root canals/crowns.
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The insurance company told me they might cover it when I spoke with them, but they needed more documentation from the dentist about his anxiety.
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Now I'm stuck in a back and forth between the dentist office and the hospital with each sending me back to the other.
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And this is the root of why people won't pursue these things. So many convaluted procedures and so much red tape.
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My persistence has kicked into high gear on this one, so if it can be done, it will. Send me all of the thoughts and prayers! 😬
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Happy Valentine's Day! Whatever you are doing today, please don't put $90 roses on your credit card. 💖💙💗💚💛🧡💜💟❣💞 ...

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Your taxes are done and you're getting a refund. Yay!
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Wait a minute. Getting a return means you overpaid the government throughout the year. (I'm talking about people who make enough money that they actually owe taxes.)
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So instead of having that money yourself to either pay towards debt, invest, or do something fun, the government had it all year. That's not good for your financial plan.
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Take this time to readjust things. Change your withholding if necessary.
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The perfect situation would be to owe nothing and get no return, but that's nearly impossible to achieve. Aim for a few hundred dollars in either direction.
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Are you waiting to file your taxes because you are afraid that you might owe?
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Last night on the news I heard one "dramatic" story after another. The main guy they interviewed hadn't even filed yet and had NO idea if he would owe or not and they were using him as a fearful and dramatic example.
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I wish they would STOP with the fear mongering. I agree that an unexpected expense is a bummer, but it's better to know the facts and not build stress just wondering.
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Here's my tip. Get your taxes prepared. They don't have to be filed until the deadline. If you end up owing and you truly had no idea that was coming, you'll have 2 months to come up with a payment plan.
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