The Best Credit Cards - Compare Credit Card Offers and Apply at CreditCardGuide.com. » Best Credit Cards - Updated List. A while ago I asked readers to name their favorite credit cards. That request spawned numerous comments, so I thought I’d distill down the results for you guys. What follows is a breakdown of the cards that received the most love. This post will be updated regularly as offers change, so check back to get an update on the best credit card deals for 2014. Loyal and new readers, thank you for your comments! For consumers who are looking for great cards for everyday use, these cards represent some of your best options. Blue Cash Everyday® Card from American Express Blue Cash Everyday® Card from American Express has no annual fee and a robust cash back rewards program. Chase Slate® Introductory offer transfer your higher rate balances during the first 60 days your account is open and you will pay no balance transfer fee.
Chase Freedom® Earn $100 Bonus after you make $500 in purchases in your first 3 months from account opening with Chase Freedom®. Excel Budget Spreadsheet Software. Untitled. In a recent article by the New York Times they estimate that Banks will make over $27 Billion dollars off of consumers overdrafts from checks and debit cards. Let’s just say that you are expecting a $400 check to be deposited on Friday, it’s Friday so you go out to lunch with your coworkers $13.65, Saturday you take the family out for breakfast $39.28 and Sunday you hit the grocery store to get ready for the week to the tune of $89.72. Monday morning you login to your banks website to see what’s what and realize that your deposit didn’t clear and you now owe $81 in overdraft protection fees that your friendly neighborhood bank won’t refund.
So what’s the answer? Envelope Budgeting with cash. Cash and envelopes are tangible and finite. Cash Envelope Budgeting Basics Pulling out cash for each pay period and separating it into various spending categories is definitely not a new concept. Step 2: decide the dollar amounts for each category. Cashless Options for Envelope Budgeting. Untitled. Sure, Grandma Ettie and Grandpa Stan knew a thing or twelve about saving money. Heck — envelope budgeting was a way of life for them. But you're looking for a better, more up-to-date way of controlling your cash. If you have a knack for spreadsheets, then I've got the tool for you. I've created a couple of check-register spreadsheets — this one, plus a Deluxe version — which are built upon the envelope-budgeting concept. Click this image to get a look (shown here in Excel 2007) at my free Envelope Register: Personally, I think it looks pretty nice. ...and keep reading to see everything it can do for you!
Spreadsheet Requires Excel 97 or Later This isn't a stand-alone program. As far as operating system requirements, it should work on Windows 98 and all later versions of Windows. OpenOffice Users: Yes, it should work with OpenOffice. If You Like This Spreadsheet... I guess I could call this free spreadsheet my "lite" version of the "envelopes" check register. Envelopes and Money? Questions? Untitled. Question: What is envelope budgeting? Envelope budgeting is a simple, systematic way of saving to pay bills while maintaining a personal budget, and it's being implemented in some very good personal budgeting software these days. Read on for more details. Answer: There is plenty budgeting software that uses the envelope budgeting method.
First an explanation of what envelope budgeting is, then more on envelope budgeting software features and choices. How Envelope Budgeting Works This budget method started back when bills were paid with cash, but the principle still works and can be applied to today's financial technology. The strength of envelope budgeting is that it forces you to stay in touch with spending habits because once the money is gone from an envelope, you can't spend from that category until the envelope is replenished by the next paycheck. Envelope Budgeting with Financial Software. Dave Ramsey's Envelope System - Budgeting.
On a budget? Still over-spending? Trying to figure out the best way to organize your money and spend wisely? All it takes is setting up a simple system. Grandma's way to handle money still works. People used to always use cash envelopes to control their monthly spending, but very few do in today's card-swiping culture. The envelope system is a key component of the Total Money Makeover plan because it works. Here are a few simple basics for starting a cash envelope system: Budget each paycheck. Budget is a dirty word to most people, but you must budget down to the last dime if you're going to successfully implement the envelope system. Divide and conquer. Of course, there will be budget items that you cannot include in your envelope system, like bills paid by check or automatic withdraw. Fill 'er Up. After you've categorized your cash expenses, fill each envelope with the money allotted for it in your budget.
When it's gone, it's gone. Don't be tempted. Give it time. Have some fun! Start now! » How to Create ING Direct Subaccounts. Although there are a number of online banks that are now paying better interest than ING Direct, I really like the ING interface, and I also trust them. Another thing that I like about ING Direct is the ability to quickly and easily create subaccounts. Subaccounts are a great tool for budgeting, and we’ve also found them to be a great place for our kids to stash some of their allowance.
However, it wasn’t intuitively obvious to me how to create them when I first set out to do it, so I thought I’d outline the process here… If you want to create a subaccount, simply login to your account and select ‘Open an Account‘ from the left sidebar. On the next page, select ‘Open Now‘ under Orange Savings Account. Next, decide if you want a joint account. If so, you will be prompted for info on the joint account owner. That’s pretty much it.