The Retail Forex Market has come a long way in the past decade. Back in the 1990s, the world of foreign exchange trading was purely the domain of large global banks, central banks and large financial institutions. The smallest lot size was $1 million, and the average transaction was roughly $5 million. However, a few creative brokers developed aggregation schemes that allowed for smaller lot sizes and in combination with online software trading platforms, retail forex trading was born and made available for the average consumer on the street, or better still, on the Internet.

Zero budgeting is a strategy which starts from a 'Zero base'. Every dollar that you earn and spend is actually assigned to your budget. Your income minus your expenses equals zero. Hence the name Zero Budget. Although the idea sounds simple enough, it requires a lot of planning, well ahead of time. You need to keep a good track of every minute details.

Create yourself a zero budget:

Greetings to all bloggers here

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Walang impossible sa Paginoon"
"Nothing is impossible with God"

Cash loans get a lot of media attention nowadays, and much of critics. In case payday advances are handled for the intended purposes though they might be rather handy. You will evidently realize that payday advances in reality are not at all bad when you get direct payday lenders only, which take a list of legal responsibilities and agree to explicate regarding how the cash loan works.

Get Out of Debt Blog – Month 6

October 2009 was sort of a ying yang month. Stocks fell, but I became fully vested in my company’s pension plan. Over a thousand dollar water bill, but my retirement accounts finally exceed $50,000. Our credit cards are paid off, but my wife continues to use them for points. That brings me to the question of the month…should my wife and I continue to use a credit card to build up points for various rewards. For example, we have accumulated 30,000 points in a credit card’s rewards program over the year. The approximate value of merchandise we can purchase with the points is equivalent to roughly $500. I will assume that requires about $1,000 worth of credit card charges each month to accumulate. Now that my wife and I are in a position to pay off the credit card in full each month, should we continue to use the card to build up points for these rewards?

Get Out of Debt Blog – Month 5

If you haven’t been following my quest to get out of a half million dollars in debt, I suggest you begin with My Journey to Payoff half a million in debt or check the Get out of Debt Blog master page.

I’m playing catch-up letting you all know of my progress.  For that I apologize.  I spent quite a bit of time entering my income and expenses for the past year with a new free budgeting tool I found called MoneyTrackin.  I submitted it to be added as a new opportunity here at MoneyStance.com because I think many others would benefit from it as well.  In conjunction with the net worth portion of the contributor rewards spreadsheet, MoneyTrackin is much more granular, produces great reports, and creates detailed graphs that I hope will convey the reality of my wife’s spending habits to help steer her toward my getting out of debt effort.

Is your checking account depleted and you could really use some extra funds - and must acquire it rather quickly? Do you wish to avoid the trouble of leaping through hoops making copies of all the necessary documents and making many phone calls back and forth? If these inquiries all produce the same yes answer you may be a good choice for a payday advance. Payday advance by phone operators are standing by to take your phone calls.

Get Out of Debt Blog – Month 4

If you haven’t been following my quest to get out of a half million dollars in debt, I suggest you begin with My Journey to Payoff half a million in debt or check the Get out of Debt Blog master page.

Last month I talked a lot about getting my wife on board and suggested she read Dave Ramsey’s “Total Money Makeover”, but she has yet to and the spending continues.  To make matters worse, our rental property is showing its money eating teeth.  I currently have a vacancy and am in the process of evicting another tenant.  Therefore, only 50% of the building is rented out and paying.  I often ask myself if buying a rental property is worth it.  Maybe I’ll write something later on my disastrous attempt at being a landlord, but in short…I’ve had 5 evictions, over $10,000 in lost rents, forced to invest $30,000 worth of building repairs, and have probably had 3 years worth of at least one unit being vacant during the 5 years of ownership.  

Get Out of Debt Blog – Month 3

If you haven’t been following my quest to get out of a half million dollars in debt, I suggest you begin with My Journey to Payoff half a million in debt or check the Get out of Debt Blog master page.

Going through the numbers for July 2009 made me sick to my stomach. I felt nauseous and angry that I cannot get my wife to concede that we need to attack this debt before it consumes us. As I said before, I was motivated by Dave Ramsey’s Total Money Makeover Book, but I didn’t want to get as intense as he suggests. We don’t make an exorbitant amount of money, but significantly more than the average Joe. In this I feel we don’t have to pinch nickels and dimes, but rather focus on not spending money on unnecessary items. For example, we can get away with not clipping coupons for hours to save $10 a week. That is a drop in the bucket. What we need to do is stop taking expensive family trips, buying new everythings, and refrain from using credit.

Welcome to my Get Out of Debt Blog

If you haven’t been following my quest to get out of a half million dollars in debt, I suggest you begin with My Journey to Payoff half a million in debt or check the Get out of Debt Blog master page.

After finally going through the budget and tracking every penny, it is obvious why I just can’t seem to get out of debt. Our family’s spending habits are way out of whack. We spend more money on incidental things that I didn’t even think to budget for. In my first post, I estimated what I thought our income and expenses would be and planned on identifying areas that can be cut in order to pay down more debt each month. Now that I’ve seen actual numbers, I’m hoping to just stay within my original estimates. Dave Ramsey would certainly slap me upside the head for reading his “Total Money Makeover” and not going “gazelle intense”. Let’s take a look at the numbers shall we?