So, I’ve now got a budget spreadsheet, a tracking system, a new source of snowflaking money, and now, I have an organized place to immediately put that money. I’ve had an ING online savings account for a while now, but yesterday, I went and added a subaccount specifically for snowflake money. My plan is to [...]
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Filed under: budget, debt, snowflake
I had a sort of epiphany today. I’ve been having trouble coming up with snowflakes. One reason is that I didn’t really have a budget setup, so I didn’t know when or if I ever had a shortfall in any particular area. I’ve started fixing that with my new budget spreadsheet, but that will take [...]
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Filed under: budget, debt, snowflake
I’m having some trouble deciding what exactly should be my first snowflaking target. I have two specific targets that I need to attack, and I can sort of argue for both to be the first goal. First, there is the emergency fund. According to Dave Ramsey in the Total Money Makeover, I should start with [...]
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Filed under: debt, finance, goals
If there is any philosophy of debt reduction I can see myself getting behind is the snowflake method. I first heard about the idea of snowflaking on a site I’ve been reading a lot of lately, Paid Twice, and I think the idea behind the snowflake method is similar to what I’m trying [...]
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Filed under: budget, debt, money
You’ve seen those places. They seem to be everywhere now. “Get $200 Now!”
Unfortunately, I fell into one of those places, and because of that, I’ve become a regular at them, which just proves that I can waste money with the best of them. Everytime I walk into those places, I am wasting between $20 and [...]
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Filed under: debt, finance, money
