My New Year’s resolutions: no resolutions, no budget

Happy new year, everyone! :) Hope you had a great time saying buh-bye to 2013 and welcoming 2014. 2013 was a great year for our family and I was kind of sad to see it go. But hey, 2014’s gonna bring us our baby, so YEAH! ROCK ON! :)

And now, on with the first post for 2014. Enjoy!

New-Years-ResolutionsI stopped keeping a budget.

Budgets are for newbies. When you are just starting to use a budget, it helps you see more clearly. You write down things you may otherwise forget. All of this helps you when you feel overwhelmed. Budgets are good for people who are just getting to know their personal finances.

But over time, you get used to the routine activities of managing your money: pay bills first, keep spending down, pump up your savings account. Watch out for those irregular expenses like taxes in April, gift money for Christmas, and paying the car insurance. Yaaaaaaaaaawwwwwwn. Trust me, once you’ve done this for a couple of months, you’ll be able to do it in your sleep.

Read moreMy New Year’s resolutions: no resolutions, no budget

Budgeting for bingo: Knowing when to stop whether you’re winning or losing

This is a guest post by Angela Stevens. Angela is retired at 61 but takes on the occasional freelance writing gig. She’s been getting herself some guilt-free fun each Thursday at the Bingo hall for the past 13 years, and loves to read up on the Bingo business.

It may be cheap entertainment, but it’s still important to keep an eye on your bingo spending

bingoForMoney Bingo has been enjoying a surge in popularity of late. Both brick-and-mortar halls and online bingo games are starting to play nice in their own respective niches. And the game is even starting to shed its “game for little old ladies” (giggle!) image thanks to bingo variants like Musical Bingo that are proving to be popular among the younger set.

As Bingo! The Documentary shows, there are people out there who want to live the bingo dream – that is, hitting a huge jackpot and becoming rich. Don’t we all? This applies to both the old school bingo hall regulars like myself and the younger foxybingo gamer generation. )

Read moreBudgeting for bingo: Knowing when to stop whether you’re winning or losing

Newlyweds with baby on the way: our money and finance

painting a wallAt the end of May 2013, we found out I was pregnant (unplanned). At the end of July – just two months later – we got married.

Here’s what our financial situation looks like.

We live in a 1-bedroom apartment rent-free.

When I first moved to my husband’s town, we lived with his parents in a 3-bedroom + kitchen apartment. It was okay, for now, but we wanted to be on our own eventually. We had made our peace with the fact that this was probably not going to happen soon. I had a vague plan idea that we could live with them for about 6 months, and re-evaluate our options then. Maybe we could rent a place or buy one with a mortgage?

Read moreNewlyweds with baby on the way: our money and finance

15 tips: How to plan a wedding in 3 months, on a budget (and not kill anyone)

Dear all,

In my last post, I shared some great news with you: we got married! I also promised to tell you all about it my next post, so here goes.

We planned our wedding in less than two months, and I guess you can call it a “shotgun” wedding – we found out I was pregnant on May 27, already 6 weeks along. We settled on July 20, a Saturday, for an evening wedding. We planned 100 guests and 2500€, but ended up at 150 guests and 3500€.

Read more15 tips: How to plan a wedding in 3 months, on a budget (and not kill anyone)