Reduce Debt Increase Wealth

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The budget or control center is necessary for everyone especially those with financial problems. Tracking is just the start  giving the numbers to use in the budget to review and control the financial situation.

Article Links:
https://www.personalfinancelab.com/finance-knowledge/personal-finance/budgeting/ By Kevin Smith

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Knowing the basic for tracking will help when reviewing what method to use. Doing tracking manual on paper, using a spreadsheet on computer, or an app on computer and smartphone are all good solutions. First what is Personal finance and why it is important.

Article Links:
https://www.investopedia.com/terms/p/personalfinance.asp By Will Kenton

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Struggling with debt how to handle this problem. Getting out of debt takes longer and harder than getting into debt but reducing debt can be done with the correct procedures.

Article Links:

https://www.wellsfargo.com/goals-credit/smarter-credit/manage-your-debt/pay-off-debt-faster/

https://www.wellsfargo.com/goals-credit/smarter-credit/manage-your-debt/total-cost-of-borrowing/

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Have a debt problem and wondering if investing should be started. Investing with debt is this a smart idea or should the debt be paid off first. This is the question most people wonder about all the time. This is not using debt to make investments but if a person should invest with a debt problem.

Article Link:
https://www.fidelity.com/learning-center/personal-finance/pay-down-debt-vs-invest 

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Having problems with Christmas debt, purchased gifts on credit and now the bills are coming due. How to solve this for all future years and increase emergency fund at the same time. 

Article Links:
https://www.bankatfirst.com/personal/discover/flourish/26-week-savings-challenge.html
https://www.creditkarma.com/money/i/money-saving-challenges

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Details of reduction plan to work for everyone. This brings everything together tracking, budget and debt reduction to make financial life better.

Article Link: None

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Keeping a budget up to date is helpful in staying on top of personal finances. What to do and when will be discuss with tips on staying on track. The information from tracking should include everything Checking, Credit cards, every account in the tracking program. 

Article Link:
https://www.investopedia.com/financial-edge/1109/6-reasons-why-you-need-a-budget.aspx  

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Setting up a budget should not be hard to do. Keeping the categories to the minimum can be key to making a budget work. This starts with one month of tracking data. Let’s start with tracking entering and getting data out of the program before starting the budget setup.

Article Link:1
https://consumer.gov/managing-your-money/making-budget#what-to-do

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What is tracking in personal finance, what to do tacking and what is needed to track personal finance. Going in depth to explain the basic tracking software. 

Articles Links:
 https://moneywise.com/managing-money/budgeting/best-personal-finance-software 

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This is a overview of my life why doing a podcast to help others with debt. There more to life than just working and being broke all the time, thinking working for the bank. This is the 200th episode  of Reduce Debt Increase Wealth a review and reflection of the past. 

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