Living Richly on a Budget http://www.livingrichlyonabudget.com Live Well on Less Fri, 18 Apr 2014 18:45:34 +0000 en-US hourly 1 http://wordpress.org/?v=3.8.3 Free eBook Friday – 30 Great Kabob Recipes, Credit Scoring Secrets, and More http://www.livingrichlyonabudget.com/free-ebook-friday http://www.livingrichlyonabudget.com/free-ebook-friday#comments Fri, 18 Apr 2014 18:45:34 +0000 http://www.livingrichlyonabudget.com/?p=14259 It’s Free eBook Friday on Good Friday. I hope you enjoy this weekend with friends and family. We’ll be celebrating my daughter’s birthday this weekend with a big Hello Kitty cake! Here are the latest free ebooks. You don’t need a Kindle to read these ebooks. Just download the Free Kindle app to read this…

The post Free eBook Friday – 30 Great Kabob Recipes, Credit Scoring Secrets, and More appeared first on Living Richly on a Budget.

]]>
It’s Free eBook Friday on Good Friday.

I hope you enjoy this weekend with friends and family.

We’ll be celebrating my daughter’s birthday this weekend with a big Hello Kitty cake!

Here are the latest free ebooks.

You don’t need a Kindle to read these ebooks. Just download the Free Kindle app to read this on your PC, Mac, iPad, iPhone, Blackberry, Windows Phone, and more.

The price can change at anytime so be sure to check that it’s still free before you buy it. If the Kindle price says $0.00, it’s free.

Never Buy Condiments Again! Deliciously Cheap Recipes and Tips for Homemade Condiments (Save At Home Guide)

French Cooking in 30 Minutes: Cook Delicious French Food at Home With Mouth Watering French Recipes Cookbook

50 Shades of Avocados: 50 Simple, Healthy & Delicious Avocado Recipes For Awesome Meals


30 Great Kabob Recipes

Managing Stress In The Workplace: How To Get Rid Of Stress At Work And Live A Longer Life ((Stress Management) How to deal with office stress)

Easily Raise Your Credit Score By 100 Points – Credit Scoring & Credit Repair Secrets

The post Free eBook Friday – 30 Great Kabob Recipes, Credit Scoring Secrets, and More appeared first on Living Richly on a Budget.

]]>
http://www.livingrichlyonabudget.com/free-ebook-friday/feed 0
Free $10 Target GiftCard When You Buy These Participating Products http://www.livingrichlyonabudget.com/free-target-gift-card-p-g http://www.livingrichlyonabudget.com/free-target-gift-card-p-g#comments Thu, 17 Apr 2014 18:22:23 +0000 http://www.livingrichlyonabudget.com/?p=14246 Get your house spring-ready with fresh savings on your favorite P&G products at Target. Receive a FREE $10 Target GiftCard when you buy 3 participating P&G products in store from 4/13-4/19. More info can be found on pg.32 of the Target circular. Participating products include: Tide® Pods 72-ct Tide’s reinventing the way you do laundry:…

The post Free $10 Target GiftCard When You Buy These Participating Products appeared first on Living Richly on a Budget.

]]>
Get your house spring-ready with fresh savings on your favorite P&G products at Target.

Receive a FREE $10 Target GiftCard when you buy 3 participating P&G products in store from 4/13-4/19.

More info can be found on pg.32 of the Target circular.

Participating products include:

Tide® Pods 72-ct

  • Tide’s reinventing the way you do laundry:
    • For a detergent + stain remover + brightener in one
    • 1 pac = 1 laundry load
    • Works in all machine types
    • Dissolves quickly in hot & cold

Tide® 138 or 150-oz

  • Try the NEW Tide Plus Ultra Stain Release. It helps remove 99% of everyday stains!
  • It also boasts the innovative? “Zap! Cap,” a unique pretreat cap with scrubbing bristles to provide a deep-down, pre-treat option.

Gain® Flings™ 72-count

  • NEW! 50% more scent + Oxi-Boost™ + Febreze®

Charmin® 12-ct Mega or 24-ct Double Roll

  • Charmin Ultra Soft is so cushiony soft that you can use up to 4X less* than the leading bargain brand.
  • *vs. the leading bargain brand

Downy® 150-load

  • Get all of the great benefits you love. Freshness. Softness. And more.

Bounce® 240-ct

  • Bounce® dryer sheets soften your clothes, control static and repel pet hair and lint. And that’s all while leaving your laundry with the super fresh scent you know and love.

Bounty® Basic 12-count Mega Roll

  • It’s the strong, affordable, picker-upper. It’s 50% stronger than the leading bargain towel and affordably priced.

Cascade® Complete Action Pacs 43-60-count

  • Cascade Complete Pacs combine the cleaning action of Powder & Gel in one pac to power away 24-hour stuck-on food.
  • Pre-treating power dissolves foods, fights stains, and delivers brilliant shine.
  • Features the grease-fighting power of Dawn.
  • Rinse Aid action means no pre-rinse needed.

Puffs® 6, 8 or 10-count Facial Tissue

  • Puffs is the only national brand dermatologist tested to be gentle.

So many ways to save at Target this week!

  1. Text CLEAN to Target to get up to $5 in additional laundry savings!
  2. Check out the 4/13 newspaper insert with coupons off of Tide Pods, Gain Flings, Gain, Downy Unstopables and Gain Fireworks
  3. Check out the weekly ad!

The post Free $10 Target GiftCard When You Buy These Participating Products appeared first on Living Richly on a Budget.

]]>
http://www.livingrichlyonabudget.com/free-target-gift-card-p-g/feed 0
Swagbucks $5 for All Bonus http://www.livingrichlyonabudget.com/swagbucks-5-for-all http://www.livingrichlyonabudget.com/swagbucks-5-for-all#comments Wed, 16 Apr 2014 12:00:53 +0000 http://www.livingrichlyonabudget.com/?p=14251 If you haven’t signed up for Swagbucks yet, now’s your chance. Among all the other ways to earn SB for gift cards, you can also earn back Swag Bucks for every dollar you spend shopping online via Swagbucks Shop & Earn. After all, why just shop online if you can do so while getting paid…

The post Swagbucks $5 for All Bonus appeared first on Living Richly on a Budget.

]]>
If you haven’t signed up for Swagbucks yet, now’s your chance.

Among all the other ways to earn SB for gift cards, you can also earn back Swag Bucks for every dollar you spend shopping online via Swagbucks Shop & Earn.

After all, why just shop online if you can do so while getting paid for it?

But that’s not all I’ve got — here’s an exclusive way for you to get even more bonus Bucks:

If you sign up for Swagbucks through my link here anytime between April 7th – May 7th, and make a purchase of $25 or more via Swagbucks Shop & Earn, you will get a 500 SB Bonus!

That’s enough for a $5 gift card, in addition to all the Swag Bucks you earn from your online shopping purchase. Please note that you bonus will be credited only after your Shop & Earn Swag Bucks are credited, which can be up to 35 days after the date of purchase

To get started, all you have to do is sign up through me here, and start shopping with Swagbucks Shop & Earn.

For official rules, see below:

Receive 500 Swag Bucks (approximate retail value $5 USD) (“Credit”) when you sign up for a Swagbucks.com account via an applicable referral link and make a purchase
of $25 USD or more through the Swagbucks.com Shop & Earn webpage between 12:01 AM PST on April 7, 2014 and 11:59 PM PST on May 7, 2014 (a “Qualifying
Purchase”). Offer valid for new Swagbucks.com accounts only. Credit will be issued to your Swagbucks.com account within thirty-five (35) days of your Qualifying Purchase. Limit ONE (1) Credit per person. This offer may not be transferred; cannot be redeemed for cash; and cannot be combined with other offers.  Prodege, LLC reserves the right
to add, modify, or discontinue this offer at any time, for any reason or no reason, with or without notice. Valid only in U.S., Canada and the U.K. Void where prohibited. Subject to the Swagbucks.com Terms of Use and Privacy Policy found at http://www.swagbucks.com/g/terms and http://www.swagbucks.com/g/privacy, respectively.

 

The post Swagbucks $5 for All Bonus appeared first on Living Richly on a Budget.

]]>
http://www.livingrichlyonabudget.com/swagbucks-5-for-all/feed 0
Can’t Pay Your Taxes in Full? Here’s What to Do. http://www.livingrichlyonabudget.com/cant-pay-taxes-full http://www.livingrichlyonabudget.com/cant-pay-taxes-full#comments Tue, 15 Apr 2014 06:59:50 +0000 http://www.livingrichlyonabudget.com/?p=14235 In a tough economy, doing taxes can be a nightmare. Maybe last year you lost your job, became self-employed, or had to cash out retirement accounts early to survive. You didn’t withhold enough taxes from your paycheck or pay enough estimated taxes last year. Consequently, you’re stuck with a large tax bill. If you can’t…

The post Can’t Pay Your Taxes in Full? Here’s What to Do. appeared first on Living Richly on a Budget.

]]>
In a tough economy, doing taxes can be a nightmare.

Maybe last year you lost your job, became self-employed, or had to cash out retirement accounts early to survive.

You didn’t withhold enough taxes from your paycheck or pay enough estimated taxes last year.

Consequently, you’re stuck with a large tax bill.

If you can’t pay your taxes in full by April 15, what can you do?

Here are a few options and take a deep breath.

1. File by April 15th.

No matter what, file your taxes on time, even if you can’t pay the full amount. There will be stiff penalties if you don’t file your taxes on time.

Even if you request an extension to file taxes, you still have to pay 90% of what you owe by April 15.

2. Borrow Money.

Can you borrow money from family or friends? This may not be an option for everyone.

Whatever you do, don’t get a payday loan or high interest online loan. It will make your problems worse. There are better solutions.

3. Pay with a credit card.

Credit card interest rates can be as high as 20% or more. Use this option with caution.

4. Request an installment agreement from the IRS.

The IRS allows an installment agreement once every 5 years. If you paid your taxes in full the past 5 years, owe less than $50,000, and you can pay in full within 120 days or less, you can apply for an online payment agreement.

can't pay taxes in full

Photo Credit: PT Money

There will be a fee of $120 for a standard agreement. If you pay by direct deposit, the fee drops to $52. If your income is below a certain level, then it’s $43.

You will also pay interest. Check IRS.gov for the current interest rate and for more info.

If you go with this option, pay the most that you can by April 15th. Then figure out what you can afford to pay each month. After you apply, you will hear from the IRS within 30 days.

5. Offer in Compromise

For those who don’t qualify for an installment agreement or other payment alternative. It lets you settle your tax debt for less than you owe. Go here for more info.

6. Adjust Withholdings

If you owed money this year on taxes, it’s time to adjust withholdings on your W4 form from work. You may need to have more money taken out from your paycheck so you don’t owe a large amount next year.

If you’re self-employed, then think about putting more into estimated taxes.

Check out Eight Tips for Taxpayers Who Owe Taxes.

Disclaimer: I am not a tax professional. This is not tax advice. Please consult a tax professional or the IRS for more info on your specific situation.

 

 

 

 

The post Can’t Pay Your Taxes in Full? Here’s What to Do. appeared first on Living Richly on a Budget.

]]>
http://www.livingrichlyonabudget.com/cant-pay-taxes-full/feed 0
10 Tax Day Freebies and Deals 2014 http://www.livingrichlyonabudget.com/tax-day-freebies-2014 http://www.livingrichlyonabudget.com/tax-day-freebies-2014#comments Sat, 12 Apr 2014 12:00:33 +0000 http://www.livingrichlyonabudget.com/?p=14198 Doing taxes can be stressful, especially if you do them on your own. If you’re relieved to have finished your taxes, then check out these freebies to celebrate! Some of these businesses are only available in certain locations of the US. Check their website for locations and call ahead to see if the store you…

The post 10 Tax Day Freebies and Deals 2014 appeared first on Living Richly on a Budget.

]]>
Doing taxes can be stressful, especially if you do them on your own.

If you’re relieved to have finished your taxes, then check out these freebies to celebrate!

Some of these businesses are only available in certain locations of the US.

Check their website for locations and call ahead to see if the store you want to go to is participating in the freebie or deal.

Arby’s – Free Curly Fries with this coupon on 4/15/14.

Boston Market - ”Tax Day Deal Chicken Meal”, get two meals each including a half rotisserie chicken, two sides, and cornbread for just $10.40. No coupon needed.

Photo Credit: David Morris

Photo Credit: David Morris

California Tortilla - Say the secret password to your cashier “Taxes Shmaxes” on 4/15/14 and get chips and queso for free with any entree purchase, while supplies last. No coupon needed. Locations in DC, MD, VA, DE, PA and MA.

Chili’s – Free Appetizer, Dessert, or Kid’s Meal with this coupon through 4/17/14.

Great American Cookies – Free Chocolate Chip Cookies on 4/15/14.

Hard Rock Cafe - ”Sing for Your Supper,”perform a complete song on the live music stage in front of the entire restaurant to receive a free dinner entree from Hard Rock’s new menu. No coupon needed.

HydroMassage – Free HydroMassage Experience with this coupon from 4/14-4/18. Not all locations. Call ahead first.

Office Depot - Shred up to 5 lbs. of paper with this coupon through 4/29/14.

Olive Garden – $10 off a $30 or more order with this coupon through 4/20/14.

Sonic – Half price drinks and slushes on 4/15/14.

 

 

The post 10 Tax Day Freebies and Deals 2014 appeared first on Living Richly on a Budget.

]]>
http://www.livingrichlyonabudget.com/tax-day-freebies-2014/feed 0
Free eBook Friday – Homemade Potato Chips, Cake Ball Recipes, Automatic Budgeting and More http://www.livingrichlyonabudget.com/automatic-budgeting-ebook http://www.livingrichlyonabudget.com/automatic-budgeting-ebook#comments Fri, 11 Apr 2014 17:41:31 +0000 http://www.livingrichlyonabudget.com/?p=14195 It has been a long time since I’ve posted free ebooks as I have sick for the past few months. I’m glad to feel better and so excited to share with you the latest FREE ebooks from Amazon. Let me know if you would like to see a list of free ebooks every week (in…

The post Free eBook Friday – Homemade Potato Chips, Cake Ball Recipes, Automatic Budgeting and More appeared first on Living Richly on a Budget.

]]>
It has been a long time since I’ve posted free ebooks as I have sick for the past few months.

I’m glad to feel better and so excited to share with you the latest FREE ebooks from Amazon.

Let me know if you would like to see a list of free ebooks every week (in the comments below) as I sure enjoy putting these together for you.

You don’t need a Kindle to read these ebooks. Just download the Free Kindle app to read this on your PC, Mac, iPad, iPhone, Blackberry, Windows Phone, and more.

The price can change at anytime so be sure to check that it’s still free before you buy it. If the Kindle price says $0.00, it’s free.


Cake Ball Recipes: The Ultimate Collection – Over 30 Delicious & Best Selling Recipes


Grandma’s Simple Cookbook:OMG EZ 120 Recipes


Food Preservation Book Package: Food Drying and Food Canning (2 Books)


Homemade Potato Chips :The Ultimate Recipe Guide – Over 30 Delicious & Best Selling Recipes


A Baker’s Guide to Chocolate: A Collection of Recipes and Useful Information


Popcorn Handbook: Recipes, Techniques and Tips for Great Candy Popcorn


Slow Cooking Done Right (Easy Slow Cooker Meals)


The Quick Start Guide to Macarons: The Secrets to Baking Amazing Macarons Revealed Step-By-Step (Recipes Made Simple, Macarons)


SMART SCHOOL TIME RECIPES: The Breakfast, Snack, and Lunchbox Cookbook for Healthy Kids and Adults


Paleo Easter Bunny: Kid Tested, Mom Approved – Quick & Easy Gluten-Free Easter Treats and Paleo Snacks (Paleo Diet Solution Series)


The Children’s Busy Book: 365 Creative Learning Games and Activities to Keep Your 6- to 10-Year-Old Busy (Busy Books)


Regret-Free Personal Finance: 10 Steps to Financial Freedom and a Life You Love


How To Cure Money Stress: How to Manage Your Money, Get Out of Debt, Build Wealth And Enjoy The Ride (Financially Fit)


Automatic Budgeting: the guide to worry free budgets

The post Free eBook Friday – Homemade Potato Chips, Cake Ball Recipes, Automatic Budgeting and More appeared first on Living Richly on a Budget.

]]>
http://www.livingrichlyonabudget.com/automatic-budgeting-ebook/feed 0
7 Best Places to Find Discount Kids Clothes and Toys http://www.livingrichlyonabudget.com/7-best-places-discount-kids-clothes-toys http://www.livingrichlyonabudget.com/7-best-places-discount-kids-clothes-toys#comments Wed, 09 Apr 2014 06:20:25 +0000 http://www.livingrichlyonabudget.com/?p=14175 Let’s face it, when you have children, there are a lot of costs involved and things to buy to make life easier. They need clothes, toys, furniture, carseats, strollers, bouncers, etc. Kids grow out of these items quickly so consider getting items second hand. There’s no need to pay full price or buy everything brand…

The post 7 Best Places to Find Discount Kids Clothes and Toys appeared first on Living Richly on a Budget.

]]>
Let’s face it, when you have children, there are a lot of costs involved and things to buy to make life easier.

They need clothes, toys, furniture, carseats, strollers, bouncers, etc.

Kids grow out of these items quickly so consider getting items second hand.

There’s no need to pay full price or buy everything brand new when these things will only be used for a short period of time.

Here are 7 resources to find discount items for your kids.

1. Garage Sale Groups on Facebook

A garage sale group is a like a Craigslist, but on Facebook. People who live in the same community post things for sale, one item at a time or a bunch of items.

Because it’s on Facebook, you can see a photo of the person you are buying from or selling to. And it’s easy to buy and sell items.

If a member of the group wants to buy an item, they post a comment saying that they’re interested. Whoever is first in line gets first dibs.

They can communicate with the seller to arrange a time to pick up or pass on it so the next person in line has a chance to buy it. There are also a list of rules to follow.

Where I used to live, there were several of these groups with active members. This is by far the best place I have found amazing deals. People were selling toys for $5!

To find a garage sale group, go to the Facebook search box and type in keywords like “San Francisco garage sale,” “San Francisco sale”, San Francisco shop and sell”, or “San Francisco treasures.” There are so many different names used. If you can’t find any, ask friends if they know of any.

2. Consignment Sales Events

These are huge sales events held in a convention center or church gym where you can find deeply discounted items for baby and kids. It’s a great place to find unbelievable deals on second hand playhouses, strollers, car seats, cribs, toys, clothes, books, pack n’ plays, nursing pillows, etc.

To find one in your area, do a Google search with keywords like “San Francisco kids consignment sales.” Just Between Friends is a popular event in our area.

3. Consignment Stores

Consignment stores are great places to find baby items, toys, and clothes. I have gotten a cute Hello Kitty raincoat, almost new toys, and shoes there.

4. thredUP

thredUP is an online consignment store for women and kids clothes, shoes, and accessories. They carry gently used, brand name items, such as Gymboree, GapKids, Ralph Lauren, and Zara Kids. And you get them at a fraction of the original price.

I have found cute clothes for myself and my daughter and deeply discounted prices. Get $10 now to spend on your first purchase.

play kitchen step 2

5. Zulily

Zulily is a deal site for brand new, boutique items for baby, kids, and women. Each day they feature sales for high quality brands that are for a limited time.

Zulily has some really cute, gift worthy products at good prices. The only drawback is that you have to wait 2 – 3 weeks for items to arrive.

6. craigslist

By now, everyone knows about craigslist. I haven’t found as many good deals on craigslist compared to the other resources listed above.

Deals may vary by region. In my area, people seem to be selling things for more than 50% of the regular price, which is discouraging.

In my opinion, if the item is used and it’s being sold for just $10 off from the original price of $50, I might as well buy it brand new and save myself the trouble of trying to meet up with the person and dealing with a used product.

7. Freecycle

Freecycle is a community group where you can find things for free. You can give or get stuff for free. Go to Freecycle.org to find a group near you.

This post contains affiliate links.

The post 7 Best Places to Find Discount Kids Clothes and Toys appeared first on Living Richly on a Budget.

]]>
http://www.livingrichlyonabudget.com/7-best-places-discount-kids-clothes-toys/feed 0
Free Tax Prep for Low and Middle Income http://www.livingrichlyonabudget.com/free-tax-prep-low-middle-income http://www.livingrichlyonabudget.com/free-tax-prep-low-middle-income#comments Tue, 01 Apr 2014 12:00:20 +0000 http://www.livingrichlyonabudget.com/?p=14161 Are you stressing out about doing your taxes? For those who are low or middle income, you may qualify for free tax assistance and tax preparation at your local library! What is considered low or middle income? Check with your local library as it varies by region. At our library, it’s $51,000/year or less.

The post Free Tax Prep for Low and Middle Income appeared first on Living Richly on a Budget.

]]>
Are you stressing out about doing your taxes?

For those who are low or middle income, you may qualify for free tax assistance and tax preparation at your local library!

What is considered low or middle income?

Check with your local library as it varies by region.

At our library, it’s $51,000/year or less.

free tax prep

Bear in mind that I live near San Francisco and we have a higher cost of living here.

Buying a house in our area is not possible on an income of $51,000/year. (You need a six figure income! Is that crazy?)

These tax programs are sponsored by nonprofits.

The free tax assistance and prep services are available only certain days of the week and you must schedule an appointment!

This is worth looking into if you can’t afford to pay for tax prep services or not comfortable using tax software.

The post Free Tax Prep for Low and Middle Income appeared first on Living Richly on a Budget.

]]>
http://www.livingrichlyonabudget.com/free-tax-prep-low-middle-income/feed 0
Home Improvement Coupons http://www.livingrichlyonabudget.com/home-improvement-coupons http://www.livingrichlyonabudget.com/home-improvement-coupons#comments Mon, 31 Mar 2014 12:00:54 +0000 http://www.livingrichlyonabudget.com/?p=14152 When we moved, we went to Home Depot a lot. We needed moving boxes, bathroom improvement tools, and painting supplies. But I didn’t know that they also have truck rentals in certain locations and tool rentals like carpet cleaners. When we first moved, our new toilet got clogged and a regular plunger did not work.…

The post Home Improvement Coupons appeared first on Living Richly on a Budget.

]]>
When we moved, we went to Home Depot a lot.

We needed moving boxes, bathroom improvement tools, and painting supplies.

But I didn’t know that they also have truck rentals in certain locations and tool rentals like carpet cleaners.

When we first moved, our new toilet got clogged and a regular plunger did not work.

My husband went straight to Home Depot for a solution instead of calling a plumber. It turned out that the new toilet was designed with an oval shape that wasn’t plunger friendly.

He had to buy a professional grade plunger that plumbers use. The Home Depot employee mentioned that our toilet was designed to give plumbers more business!

Coohpons.com

Fortunately, there’s somewhere to go for help with home improvement questions and projects as well as a place to get everything you need under one roof.

For remodeling or redecorating projects, Home Depot has flooring, a cute selection of area rugs, appliances, furniture, kitchen fixtures, window treatments, storage and organization tools. You can buy in store or online.

If you buy online, don’t forget to look for Home Depot coupons. Certain products are available in store while others are available only online.

Sometimes I don’t think about going to a home improvement store for storage and organization products, but now I will because they have a great selection. I’m currently looking for shoe storage solutions and Home Depot has one that I really like.

This is a sponsored post, but the views expressed are completely my own..

The post Home Improvement Coupons appeared first on Living Richly on a Budget.

]]>
http://www.livingrichlyonabudget.com/home-improvement-coupons/feed 0
A Simple Way to Budget That Doesn’t Require Your Banking Info http://www.livingrichlyonabudget.com/simple-way-budget-doesnt-require-banking-info http://www.livingrichlyonabudget.com/simple-way-budget-doesnt-require-banking-info#comments Fri, 28 Mar 2014 12:00:41 +0000 http://www.livingrichlyonabudget.com/?p=14142 Creating a budget and then sticking to it is not easy. But it’s necessary in order to get a hold of spending and to control where your money goes. If you want to start saving money and spend less than you make, then creating a budget is the first step. And finding the right budget…

The post A Simple Way to Budget That Doesn’t Require Your Banking Info appeared first on Living Richly on a Budget.

]]>
Creating a budget and then sticking to it is not easy. But it’s necessary in order to get a hold of spending and to control where your money goes.

If you want to start saving money and spend less than you make, then creating a budget is the first step. And finding the right budget solution may take some trial and error.

I have tried countless budget worksheets and online budgeting systems. I was excited to try out and review a new budget spreadsheet – the Super Deluxe Budget by Savvy Spreadsheets.

The founder of Savvy Spreadsheets, Janet Kim, created user-friendly Excel templates to help with budgeting. These aren’t typical, plain, black and white spreadsheets. Instead, colorful graphics and stylish fonts make this budget spreadsheet fun to use.

Additionally, there’s a lot of functionality added that you won’t see in other budget worksheets. This budget spreadsheet generates graphs, has drop down menus, budget vs. actual spending comparisons, and a year-at-a-glance savings, income, and spending by month.

It’s so much more than the average budget spreadsheet as it allows you to see your current spending vs. the budgeted amount and a cute little message to let you know right away whether or not you are under or over budget.

super deluxe budget

Features of the Super Deluxe Budget

1. Step-by-Step Guide and Tips

A step-by-step guide is built into the setup pages along with helpful budgeting tips.

2. Tracks Multiple Income Earners

If you need to track the incomes of more than one person or different streams of income, this feature is great. You can track up to 5 different incomes.

3. Accommodates Irregular Income

If you are an entrepreneur or earn money on the side, you will find this feature makes life easier. There is a place to enter your irregular income or extra money you received that month. Then it gets incorporated into your budget.

4. Place to Record Recurring and Irregular Expenses

Most budget spreadsheets track recurring expenses, but what about irregular or even unexpected expenses?  The Super Deluxe Budget has a place to record variable expenses like eating out, groceries, gas, and more. Enter these expenses each month and you can track them against your budget categories to see how much money you have left or if you went over budget.

There is also a place to enter predictable expenses that happen each month like rent, insurance, and utilities. You will only have to add these recurring expenses once and it will be tracked each month.

5. Track Up to 20 Categories and Subcategories

It’s easy to add categories and subcategories and you add them only one time. Once you add them, you can refer to them later through a drop down menu.

The ability to track subcategories is helpful for keeping tabs on certain expenses. For instance, cable TV, internet, and electricity can be subcategories for utilities.

6. Graphs

Graphs are great to look at when you want to quickly figure out what your largest expense is. The Super Deluxe Budget has several graphs:

  • Budget Spending by Category
  • Budget Spending by Subcategory (if using subcategories)
  • Actual Spending by Category
  • Actual Spending by Subcategory (if using subcategories)
  • Budget vs. Actual Spending by Category
  • Budget vs. Actual Spending by Subcategory (if using subcategories)
  • Cumulative Monthly Trend

7. Year at a Glance Snapshot

View your progress for the year while comparing your spending month to month. This snapshot is great to see if you are staying on target in budget categories and whether you did better this month vs. the last.

Please note that the new version of Excel is required to use the templates – Excel 2007 or 2010 for PC and 2011 for Mac.

I found that the Super Deluxe Budget was easy to use and helped me quickly pinpoint areas that I could improve on. Entering the irregular expenses one by one helped me to be more aware of my spending.

The Super Deluxe Budget is just $15 for all the features I mentioned above. It’s an incredibly low price for a budgeting solution. Not to mention, it doesn’t require sensitive banking info like other solutions do!

Savvy Spreadsheets also offers the Super Basic Budget, which is free. It has fewer features than the Super Deluxe Budget, up to 10 budget categories and doesn’t track irregular income. But it may be a great place to get started.

This is a sponsored review. All opinions are 100% mine.

The post A Simple Way to Budget That Doesn’t Require Your Banking Info appeared first on Living Richly on a Budget.

]]>
http://www.livingrichlyonabudget.com/simple-way-budget-doesnt-require-banking-info/feed 0