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"sinking funds" (monthly setting aside 1/12 of annual & quarterly bills) ~ one of the most important steps in getting out of debt and staying out!  (not sure where the title came from...) ~ Another Pinner's note: When finances became a little better, I set aside 1/11 of the quarterly & annual bills and in the 12th month, put that amount into our savings account, even though we fed it monthly as well.  Just an easier way to build up savings.

"sinking funds" (monthly setting aside 1/12 of annual & quarterly bills) ~ one of the most important steps in getting out of debt and staying out! (not sure where the title came from...) ~ Another Pinner's note: When finances became a little better, I set aside 1/11 of the quarterly & annual bills and in the 12th month, put that amount into our savings account, even though we fed it monthly as well. Just an easier way to build up savings.

4 #budgeting tips for those with irregular income  http://christianpf.com/budgeting-tips-irregular-income/

4 Budgeting Tips for the Self-Employed (or Those with Irregular Income)

4 #budgeting tips for those with irregular income http://christianpf.com/budgeting-tips-irregular-income/

Great tips for how setting limits can help you kill debt this year. Personal finance does not have to be complicated and you can win with money!

You Know You're Spending Too Much. How to Set Limits to Stop It.

Great tips for how setting limits can help you kill debt this year. Personal finance does not have to be complicated and you can win with money!

How to Calculate Your Real Debt and the Quickest-Least Expensive Way to Pay It Off Debt, Debt Payoff,, #Debt

How to Calculate Your Real Debt and the Quickest-Least Expensive Way to Pay It Off

How to Calculate Your Real Debt and the Quickest-Least Expensive Way to Pay It Off Debt, Debt Payoff,, #Debt

see how I saved thousands living on a thirfty budget

How to Save Up Money: Tips for Living on $30000 or Less

Bonuses can be exciting…and cause you to drop lots of cash over a short period of time on stuff that won't help you accomplish your financial goals. Make the most of bonus money and plan how you'll use it when you get it. Additional paychecks and tax refunds should be dealt with similarly.

How to Make the Most of Bonus Money

Bonuses can be exciting…and cause you to drop lots of cash over a short period of time on stuff that won't help you accomplish your financial goals. Make the most of bonus money and plan how you'll use it when you get it. Additional paychecks and tax refunds should be dealt with similarly.

They say it's hard for a family to live on one income. They're wrong! Come along with me as I show you how I, a single SAHM, live pretty DARN good!

Money Saving Tricks: 30 Days to a Better Life {Series

They say it's hard for a family to live on one income. They're wrong! Come along with me as I show you how I, a single SAHM, live pretty DARN good!

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