About Budgeting & Personal Finance: How to Achieve Financial Freedom

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Budgeting & Personal Finance Budgeting & Personal Finance Plan for Big Events Retirement Budgeting 101 From Paula Pant, your Guide to Budgeting & Personal Finance  "Financial freedom" is the idea of never needing to work again, because you can live on your investments.  You can choose to work, if you love your job. But you don't need to work. You have no obligation to ever earn money again. How can you reach financial freedom? It's a three-step process: Spend less than you earn. This involves both earning more (through switching to a higher-paying career or getting a second job) and spending less (frugality.) Investing the difference between your earnings and your spending. Repeating this until you reach total independence. When it's written like that, it sounds easy. And, in fact, it's conceptually quite simple. But it takes time, patience, and dedication. Even if you follow this 3-step formula, it'll still take years -- perhaps decades -- to reach financial independence. But that's not to say that you shouldn't start. The earlier you start, the sooner you'll get there. As the saying goes: A journey of 1,000 miles begins with a single step.   How Can I Budget With Irregular Income? Most budgeting advice assumes that you have a steady paycheck. But what if your income is sporadic? Click the above link to discover how to manage money if you have irregular income. Search Related Topics:  self-employment  freelancing  budgeting Three Things You Should NEVER Trim From Your Budget Budgeting isn't just about saving money -- it's also about knowing where you SHOULDN'T pinch pennies. Read this article to discover three types of purchases where you shouldn't cut back. Search Related Topics:  saving money  budget leaks  kids and money Sample Wedding Budget ... Plus Ideas on How to Pay for Your Wedding It's springtime, and that means wedding season. If you're planning to say "I Do" at the alter, check out this sample wedding budget. Search Related Topics:  planning a wedding  wedding planning  personal budget Retirement Savings by the Decade How much should you have saved for retirement by age 30? Age 40? Age 50? Check out this article to learn your guideposts. Search Related Topics:  retirement  savings  age Related Searches Wedding Budgeting Budgeting Tips Personal Budgeting Budgeting Your Money Budget Planner Featured Articles Programs and Apps Money Websites, Magazines and Books True Stories and Tips from Readers Glossary and Definitions How to Optimize Your Finances Answers to budgeting and finance questions.   More from About.com Sign-up for Shareables! An every-morning rundown of the day in history, headlines and trends produced by your pals at About.com. Please sign up it's free (of course), we think you will like it! Want More From About.com Check out our social page tailored to your interest! This newsletter is written by: Paula Pant Budgeting & Personal Finance Guide Email Me | My Blog | My Forum   Sign up for more free newsletters on your favorite topics You are receiving this newsletter because you subscribed to the About.com Budgeting & Personal Finance newsletter. If you wish to change your email address or unsubscribe, please click here. If you would like to unsubscribe from all newsletters sent from About.com, please send an email to optout@about.com with "Unsubscribe" as the subject line. About.com respects your privacy: Our Privacy Policy Contact Information: 1500 Broadway, 6th Floor New York, NY, 10036 © 2014 About.com   Must Reads Eleven Rules to Make You Rich Interactive Budgeting Worksheets Create a Budget in 9 Simple Steps Three Traits of a Successful Budget Are You On Track for Retirement? Advertisement