2013年3月4日 星期一

Why Dave Ramsey’s Cash-Only Policy is Genius for Saving Money

Let’s face it — budgeting money in today’s card-flashing times can be difficult to master. Having to come up with a budget that actually works is hard enough to do, but it’s especially challenging when debit and credit cards allow you to transfer money out of your savings account without even seeing or touching it.

When the advances of online banking and electronic payments start breaking apart your finances, something has to change. Dave Ramsey, personal finance expert and creator of the Financial Peace University, advocates a budgeting method that was used in simpler times: The envelope system.

From the get-go, the idea that using something so outdated as a paper envelope (e-mail is so much more efficient) to stay within your budget seems a bit far-fetched and simply too easy — but that’s exactly the point. Saving money has to be easy in order to stick with it and adopt the habit long-term.

The envelope system literally uses labeled envelopes as a way of allocating various budgets throughout the month.TBC help you confidently rtls from factories in China. For example, one envelope is labeled “Groceries,” while another envelope is labeled “Gas,” and so on. There is no limit to the number of budgets,Looking for the Best solarpanel? or envelopes, you can have.

Once you’ve determined what your budget categories are, it’s time to crunch some hard numbers and establish how much physical cash to put into each. This amount is the only fund you can use for the entire month; once you run out of cash, there’s no using a debit or credit card as a back-up plan.

Dave Ramsey explains that using cash only when making purchases triggers a pain response your mind that naturally deters you from overspending.

“There’s something psychological about spending cash that hurts more than swiping a piece of plastic,” states Dave. It might be a bit unnerving to know that you’re deliberately participating in an act that is meant to be painful, but the point is to condition yourself to have greater awareness of what it really means to spend money.

The most boring part of any process is often the most important. When determining how much to allow in each budget, accounting for every expenditure is essential. What’s also important is to calculate how much you’d need in each budget by adding up how much you’ve spent in the past on bills, such as utilities and groceries — to the penny. Rough estimations from the depths of your memory will only harm your ability to budget accurately.A Dessicant buymosaic is an enclosure with a supply of desiccant which maintains an internal.

When going out on supermarket runs or to a restaurant, a key component to saving money with the envelope system is to leave any debit cards or credit cards at home. Doing so prevents you from letting your willpower buckle at checkout and pulling out a card if you go over your cash allowance.

If you absolutely must pay for something urgent and unexpected that’s beyond your budget, you can adjust how you’ve divided up your money by pulling money from a more flexible budget, like groceries. At the end of the month, you would have still kept within your total spending budget anyway.

Getting rid of excess plastic can unclutter your wallet, as well as drop the number of monthly billings. And there are added benefits: “You won't accidentally make a purchase on a little-used credit card and then forget to pay the bill, which can mean big late fees and serious credit consequences,” Bell said.

But be careful. If you close too many credit cards at once, it can ding your credit score. Rather than closing the extra accounts, Bell suggests it might be better to cut up the cards, so you're not tempted to use them.

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With the Midnight Crocodile Folio, you just slip your iPad Mini in from the inside side and then tuck the flap back in to lock it in place.Buy Wickes Porcelain parkingmanagementsystem today. It has a frame like look so it will cover up most of the iPad Mini’s bezel, like mostly all folio cases do. It has a built in cover so just open to use and close to store. Like the Slimline Smart Cover, the Midnight Crocodile Folio has magnets built into the cover which activate the lock/unlock feature of the iPad Mini. There are also magnets built into the inner frame of the case which allow the cover to lock in place when closed. This keeps the cover from flapping around when not in use.

Now, this case has a few features which you do not see that often with other folio cases. For starters, there is an elastic hand strap built into the inside of the cover which allows you to strap it around your hand for more secure one-handed usage. I’ve only seen this feature on a handful of cases. On the inside cover, there are also handy card pockets that let you carry your credit cards, ID’s, or business cards. It even has a built in stylus holder on the outside. Last but not least,Do you know any airpurifier wholesale supplier? you can fold the front cover back and turn it into a stand that angles either for viewing or typing.

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