You Know You're on a Budget When…

Being on a budget doesn?t mean you can?t have fun and even make fun of yourself a little bit!

Dave's Facebook fans shared some obvious signs that you might be on a budget ? so many, in fact, that we didn?t have room to note all of the best ones here! Check out some of the hilarious responses, and see how many you can relate with.

Kristen: Your four-year-old asks, "Mommy do we have a coupon for this?" about any item she wants to buy in the grocery store!

Stephen: When you're reading this in your father-in-law?s driveway because you have to glom off of his wi-fi.

Leslie: When you use a coupon for a free hamburger from Mc Donald's and then come home and put your own piece of cheese on it!

Carrie: When you find yourself saying "Dave would not want me to buy that!" and then walk away.

Travis: Your kids are constantly ticked off at Dave Ramsey!

Kirsten: School supplies become birthday presents.

Jeff: You have all the local supermarket ads spread out on the kitchen table, and you begin to strategize your coupons like you're about to invade Normandy.

Micki: You get one leg waxed at a time.

Natalie: You ask yourself, How many shifts will I have to work to pay for this?

Jondelyn: You search on the internet for recipes with ingredients in your pantry.

Jay: Everyone around you thinks you are crazy.

Michelle: When, you're shopping with the kids, the three-year-old asks for something and the seven-year-old tells him, "It's not in the budget."

Will: When you notice George Washington squint at the sunlight when you pull a dollar out of your wallet.

Ashlee: When your five-year-old asks, "What is a mall?"

Sarah: Your kids get $5 in a card and you're jealous.

Gary: When you don't go out and spend money on Friday night, but instead stay in and list stuff to sell on eBay.

Lisa: The liquid soap in your bathroom is milk 'n' honey-orange-vanilla-coconut-cherry-watermelon-apple-lemon scented, because you just can't bear to throw that little bit in the bottom of the bottle away.

Lorien: When your five-year-old makes her own coupons to play store with!

Kelly: When you really "get" all the posts on this thread and have laughed out loud several times reading them!

How do you know when you?re on a budget? Let us know! Leave a comment below.

If you need some help starting a budget or refining the one you have, we here to help you succeed. Check out the free budgeting forms available for download or try them out online right now.

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Source: http://www.daveramsey.com/article/you-know-youre-on-a-budget-when/lifeandmoney_budgeting

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Debt Consolidation Loan Options That You Didn't Think Of

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Those with mounting debt problems may be familiar with debt consolidation loans as a form of financial relief. Debt consolidation loans are a means by which those in debt can combine their debts into one loan with a lower interest rate. The types of debts that can be consolidated in this manner are those with higher interest rates, such as credit card debts and student debts. Monthly payments are lower and more affordable for most. There are many options for the process of debt consolidation.

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Source: http://ezinearticles.com/6517253

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Need Income Easily? Take into account Online Payday Loans

Your online payday loans undoubtedly are a good way of receiving urgent dollars when you have the bucks to cover certain professional medical household emergencies or perhaps alternative outstanding dues, particularly during the when that you are concerning more money.Readily available for a period of seeing that fewer seeing that up coming pay day, i [...]

Source: http://www.legaldebthelponline.com/2011/08/29/need-income-easily-take-into-account-online-payday-loans/

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14 Of The Biggest Mass Layoffs In 2011


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The looming standstill in the U.S. economy has intimidated private sectors into cutting operating costs by handing out pink slips -- thousands of them.

In July, the number of job cuts increased by 60.3% -- approximately 66,414 jobs -- compared to the previous month, according to a report from consultants Challenger, Gray & Christmas, Inc.

Many of the massive workforce downsizing came from sectors who endured fairly well in the past.

Here are 14 companies contributing the most to the unemployment rate.

Gannett Co: 700

In June, Gannett Co. announced plans to cut another 2% of its workforce, or 700 employees.

The current incident is the media company's fourth mass layoff since 2008.

In 2009, 1,400 Gannett employees lost their jobs.

Sears: 700

Sears announced in June its plans to eliminate 700 workers in the higher-ticket appliances department in Kmart stores.

The U.S. retailer said "training, a phone number and a new cash register system" has allowed for the staffing cutbacks, according to UPI.

Goldman Sachs: 1,000

Goldman Sachs plans on cutting $1.2 billion in expenses, which includes eliminating 1,000 jobs through the rest of the year.

"I mentioned the dollars first because we're much more focused on the dollars that the savings will create, than the number of heads," Goldman's CFO David Viniar told analysts on a conference call in July.

Despite cutbacks in the U.S., the nation's fifth largest bank by assets plans on hiring 1,000 new employees for its Singapore office, reported Fox News in June.

See the rest of the story at Business Insider

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See Also:

Source: http://feedproxy.google.com/~r/businessinsider/~3/j3oYSqQ3Agg/companies-with-the-biggest-layoffs-in-2011-2011-8

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The New Block Fee Program Of Legal Aid Ontario

Criminal lawyers in Ontario engaged in a limited boycott of LAO services.The boycott was limited to homicides and “guns and gangs” cases.A full-scale boycott was unrealistic, it would be difficult and overly cumbersome for many financially.  For the most part the boycott was successful as the government of Ontario agreed to incremental raises of the [...]

Source: http://www.legaldebthelponline.com/2011/08/28/the-new-block-fee-program-of-legal-aid-ontario/

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5 Steps to Stay on Track With Your Goals

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No more long days on patrol. It's finally time to relax and enjoy life. I chose a career that would give me a secure retirement; that of a police officer.

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Source: http://ezinearticles.com/6515202

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What you need to Know Around 0 Apr Plastic cards

Cash Siphon Review 0 APR a credit card are extremely popular, as the majority of card companies try to boldy market and offer them to lots of customers all over the world. For the most part, getting a offer to get a card like this is tempting, especially if you happen to love using a [...]

Source: http://www.legaldebthelponline.com/2011/08/28/what-you-need-to-know-around-0-apr-plastic-cards/

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Bernanke Walks The Line, Markets Relieved But Bank Bonds Weaken

Equity investors finally warmed to the words of Fed Chairman Bernanke at the central bank symposium after initially selling off as he said the Fed couldn?t bear all of the strain of a weakened economy.

Source: http://www.forbes.com/sites/greatspeculations/2011/08/26/bernanke-walks-the-line-markets-relieved-but-bank-bonds-weaken/

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