Calculate a bare-bones monthly budget - Deepstash
No More Broke

Learn more about moneyandinvestments with this collection

Identifying and eliminating unnecessary expenses

How to negotiate better deals

Understanding the importance of saving

No More Broke

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Calculate a bare-bones monthly budget

Write down your expenses from the past few months (look at your debit and credit card bills, your bank statements, etc.)

Next, see what is essential to support your basic needs and what you can cut if you had to.

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How to deal with your debt

Try to transfer your debt onto a zero-interest credit card (also known as a balance-transfer card). It will give you a limited time window where your debt won't accrue interest and allow you to get rid of your debt faster. But ensure you can pay it off within that window, otherwi...

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Consider the size of your emergency fund

Calculate the minimum amount you could survive on if things got tight, then multiply that amount by three. That is your starting goal for your emergency fund.

Eventually you'll want to save enough to live on for three to six months if you had to.

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How to follow through with saving up an emergency plan

Some people are disciplined enough to manually set aside "leftover" money at the end of every month into a high-interest savings account. Others take the decision-making out of the equation and automate the entire process. Most banks have a feature that allows you to set up recurring transfers fr...

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594 reads

Emergency funds

Emergency funds

Having some extra cash is helpful when the world falls apart. But emergency funds, while great in theory, are very difficult to put into practice. That is why so few people get around to saving one - most people have more urgent financial demands.

However,...

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"Many people are in the dark when it comes to money, and I'm going to turn on the lights. " ~ Suze Orman

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Build the right budget

The most valuable part of budgeting is actually the process of building a budget correctly. 

You build a budget based on looking at your actual spending over the previous few months. Get real numbers, not estimates. Dig through your bank statements and credit card statements and fi...

The Reverse Budget

A Reverse Budget looks at your current lifestyle and makes slow improvements over time until things are sufficiently better.

We look at how much we are spending eating out, commuting and daily indulgences and see the past quarter trends using your credit card and bank account spending....

Ways to budget when you're broke

  • Avoid immediate disaster. Request bill extensions or payments plans from creditors.
  • Prioritize bills. See which bills must be paid first and set up a payment schedule based on your paydays.
  • Ignore the 10% savings rule. It...

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