https://penniestowealth.com/paycheck-to-paycheck-budget/ Learn to payoff debt, save money and build wealth - one penny at a time! Thu, 01 Dec 2022 20:17:41 +0000 hourly 1 https://wordpress.org/?v=6.9.4 https://penniestowealth.com/paycheck-to-paycheck-budget/#comment-2962 Thu, 01 Dec 2022 20:17:41 +0000 https://www.penniestowealth.com/?p=17126#comment-2962 […] A common approach to emergency funds is saving up a certain amount of months of living expenses. Most suggest 2-3 months and the most conservative people will recommend 6 months to a full year. Here’s the best way to budget if you’re living paycheck to paycheck. […]

]]> https://penniestowealth.com/paycheck-to-paycheck-budget/#comment-1160 Thu, 10 Oct 2019 15:09:08 +0000 https://www.penniestowealth.com/?p=17126#comment-1160 […] to figure out how we could make progress when it seemed like we never had enough money. We found a budgeting method that helped us manage and eventually escape the paycheck-to-paycheck cycle. We created a one-month buffer in our […]

]]> https://penniestowealth.com/paycheck-to-paycheck-budget/#comment-995 Wed, 31 Jul 2019 19:40:29 +0000 https://www.penniestowealth.com/?p=17126#comment-995 Are there any apps you recommend using for keeping track of the budget? I used the envelope system for a while and just can’t do it anymore! The every dollar app seems to only let me do monthly budgets but my husband is military and we do biweekly. Any recommendations appreciated! 🙂

]]> https://penniestowealth.com/paycheck-to-paycheck-budget/#comment-896 Sun, 12 May 2019 04:37:36 +0000 https://www.penniestowealth.com/?p=17126#comment-896 I’m learning, I am doing the month to month and I am on a small fixed income and I was doing good and my credit score was in the 700’s until I got this store card, and in 5 months my credit score dropped to 567!, I couldn’t understand why until I took a good look at the statements, I was so confused because I was making my payment eirly each month and still being charged for a late payment!?. I found out about a week ago that if you don’t pay the full amount of the bill you will be charged a late fee, boy that was accumulating fast and there was nothing I could do, I tried to talk to them about it and they would not give me the time of day.
The only thing I could do was to find someone to help me get this thing under control, so I tried the Government Forgiveness Program but I didn’t have enough debt to apply so I was sent to a Law firm for debit consolidation.
I am not proud of this but I am still going to be paying for the debts. I’m treading water now, I have a wonderful vet bill from my fur baby that was in the Vets for a week and now the poor guy has feline kennel cough and I don’t know how much more it’s going to be for the next visit.
I am going to be reading your blog’s and I hope to find the best way to get out of this messy situation. It’s not easy living on $911.00 a month and if you do get a job the rent would take what I would earn. Plus I am also trying to figure out how I could eat for a month on$15 from my FSSA. Ugh I miss being able to bring home a check every week!
I will and I can do this!
Thank you! For reaching out to others who want to get out of debt!

]]>