Reader Survery 2013 and a Giveaway

2013-reader-survery

As I mentioned in this post, I totally worked my booty off during the month of December and the blog anniversary came and went.  In case you missed my 2013 Year in Review for both personal and business,  here’s a quick recap.  Well, it’s only two big subjects I mostly talked about.  I talked about my business growth for 2013, business goals in 2013 and 2014 and personal goals in 2013 and 2014.  All in one post in a pretty little graphic.  I encourage you to go check it out.  But what I really want to know is your opinion and the direction I should take this blog.

I want to know what you expect out of me, what you want to read, what you like and what you don’t like.  I want to see if I can give you more of what you crave for.

The survery is short, there’s only 5 questions.  To give you a little encouragement to fill out the survery, I’ll be giving away a $25 gift card to one lucky survery taker.  How awesome is that?!  I’m paying you to tell me your opinion.  All you need to do is leave your e-mail address on the survey to enter.  Oh, and just because your leaving your e-mail address doesn’t mean you have to be nice.  You can be critical to if you like.  I really want to know your truthful opinion.

So lets get to it and go fill out the survey right here!  The option to win the gift card will end on January 31, 2013.

How to Budget With Inconsistent Paychecks

I love Pinterest.  Why?  People are so creative and it’s just beautiful, in my opinion (the creativity that is).  I stumbled upon this pin that instantly grabbed my attention.

How To Budget with an Inconsistent Paycheck

The article is from Firsthomelove.com.  As you know, I consider myself the finance queen in this household and I often lose my marbles and worry about how we’re going to squeeze by next month.   But Christine from Firsthomelove.com talks about how to budget with inconsistent paychecks.  And it’s a beautiful new way of looking at things differently.

Christine pays and files away her bills every time she gets them.  At the end of the year, she takes them all out and piles the bills in each category.  Like the water bill goes in the water bill pile, and etc.  She then tally’s up the total and divides it by 12.  Any extra money she sets aside into another account to save for when a bill is higher than usual.

Our old utility company offered us a flat monthly plan calculated off of the last 12 months of our usage and averaged out what they think our bill will be like.  It was great considering how the summer months our bill was around $100, and the winter it shot up to $300 (electricity is expensive these days).  We certainly didn’t have the extra cash for a sudden burst in bills, but the level pay plan helped us prepare and gave us a “cushion” for the winter months.  Since then we moved and haven’t bothered with a level pay plan.  Our gas bill takes over in the winter months and everything evens itself out.

But as of late, we’re finding ourselves on the fence of being able to pay all our bills one month and the next month we’ll have some cash left over (it evens itself out).  We’ll get to a point where we can put away a rainy day fund.  But to be honest, we don’t have it.  What can I say, we live on the edge!

But there’s one tip I can give you guys to improve Christine’s suggestion.  Use Quicken.  It will save you a couple of hours of Calculating, Using Spreadsheets and taking up closet space of paperwork.  With one click of a button in Quicken (okay maybe like 3), it will give you a yearly tally report of all your category reports.

I know I reported last time that Quicken sucks up my time (here), but now it doesn’t.  I log in about every few days and update our accounts (my business, Jeremiah’s, joint checking) and I’m done.  It just takes a couple of minutes.  Every time my business has a transaction with my bank, I immediately log it.  I’m so thankful for Quicken.  I’d be pulling out my hair without it.  It’s my own free version of a CPA that I get to have weekly vs. once a year when we file our taxes.

You tell me, if you have inconsistent paychecks, how do you budget or pay your bills?

Image belongs to Christine from Firsthomelife.com.