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User Topic: Budget/financial help
unfound
Member
Member # 12802
Default  Posted: 3:53 PM, August 6th (Tuesday)

Who would I go to for help with a budget and financial planning?

I've talked with several financial planners, but all they seem to be interested in is investing.

Someone who would sit down with me, look over everything coming in and how to plan a monthly "out" schedule.

I talked to our current finance guy (through our bank) and he's not willing to do that. There are many many things on the internet, but I'd feel better having someone sit down with me, and SHOW me (I learn better this way vs just doing it myself from scratch).

Is there such a person/service?


ka-mai
*******************
From time to time, I do consider that I might be mad. Like any self-respecting lunatic, however, I am always quick to dismiss any doubts about my sanity. DK

Posts: 14835 | Registered: Nov 2006 | From: mercury's underboob
lieshurt
Member
Member # 14003
Default  Posted: 3:56 PM, August 6th (Tuesday)

I would look at Dave Ramsey's website. I believe they have a 9-week class that is offered in most cities that many people have found very useful when it comes to budgeting and financial planning.


I'm sorry if you don't like my Honesty, but to be fair I don't like your lies.

Sometimes it's better to push someone away...not because you stopped loving them but because you can't take the pain anymore.


Posts: 13723 | Registered: Mar 2007 | From: Houston
wifehad5
Moderator
Member # 15162
Default  Posted: 5:34 PM, August 6th (Tuesday)

What lieshurt said x2


FBH - 42
FWW - 43 (BrokenRoad)
2 kids 7&12

The people you do your life with shape the life you live


Posts: 36942 | Registered: Jun 2007 | From: Michigan
Rebreather
Member
Member # 30817
Default  Posted: 5:39 PM, August 6th (Tuesday)

x3. He is very helpful.


Me BS
Him WH
2 ddays in '07
Recovering.
"The cure for the pain, is the pain." -Rumi

Posts: 6359 | Registered: Jan 2011
metamorphisis
Administrator
Member # 12041
Default  Posted: 6:33 PM, August 6th (Tuesday)

x4

Some of it has a religious aspect to it, some of it is very extreme for some people, so it's a "take what you need and leave the rest" kind of thing. Excellent information.
Another one I have seen mentioned often is "youneedabudget.com"
You can try it for free and see if you like it before paying



“We don't see things as they are; we see them as we are.”... Anais Nin

Posts: 44423 | Registered: Sep 2006
Deeply Scared
Administrator
Member # 2
Default  Posted: 6:38 PM, August 6th (Tuesday)

x5

We went to one of his seminars years ago and have implemented his basic tools ever since.

Although our cc debt was always low, he showed us how to keep it at a zero balance and we have for the past 10 years. Our credit score is in the upper 700's and we owe no one anything (including our home)

We also set up our retirement planning/funds and haven't waivered from that either. No matter how tight things may be one month, we never fail to contribute to our retirement accounts.

Try it honey...it may really help you

[This message edited by SI Staff at 6:40 PM, August 6th (Tuesday)]


"Don't give up, the beginning is always the hardest." My Mom:)

My tolerance for stupid shit is getting less and less.


Posts: 197296 | Registered: May 2002
sparklezombie
Member
Member # 40095
Default  Posted: 7:24 PM, August 6th (Tuesday)

I agree, Dave Ramsey is great. Lots of churches host his financial peace workshops so check and see if there is one in your area. Also babycenter.com has a great family finance board where you can post your budget and questions and get good feedback


BS: Me
WH: Husband
One daughter - 22 months
Married 11.5 years
2.5 false R's.
Status: Divorcing.
You can't pick up a turd by the clean end. Time to flush the toilet.

Posts: 247 | Registered: Jul 2013 | From: Somewhere on the Eastern Seaboard
Whalers11
Member
Member # 27544
Default  Posted: 9:10 PM, August 6th (Tuesday)

Most financial advisors don't do this type of thing. It sounds like you are looking for help more with the organization side of budgeting...making a functional plan.

I would suggest maybe looking for someone who does "life coaching" or maybe even talk to your IC about it, if you have one. They may be able to provide some help.


Me: BGF - 33
Together 11+ years - not married, no children.
D-Day: 2/9/2010
OC Born: 10/9/2010
Status: He chose OW/OC and left immediately.

Posts: 2216 | Registered: Feb 2010
unfound
Member
Member # 12802
Default  Posted: 9:16 PM, August 6th (Tuesday)

Thanks guys . I guess it's unanimous :

I poked around the Ramsey website, and found some seminars close to us in the future.

Did those that use his methods go to the seminars or just use the online tools offered?


ka-mai
*******************
From time to time, I do consider that I might be mad. Like any self-respecting lunatic, however, I am always quick to dismiss any doubts about my sanity. DK

Posts: 14835 | Registered: Nov 2006 | From: mercury's underboob
Deeply Scared
Administrator
Member # 2
Default  Posted: 9:23 PM, August 6th (Tuesday)

unfound...

MH and I went to his one day (it was about 3 hours) seminar...it was very affordable and loaded with information.

We did purchase the workbook that outlines your retirement future and that really layed what we needed to do to get on the right track with 55-65 as our retirement age


"Don't give up, the beginning is always the hardest." My Mom:)

My tolerance for stupid shit is getting less and less.


Posts: 197296 | Registered: May 2002
unfound
Member
Member # 12802
Default  Posted: 9:30 PM, August 6th (Tuesday)

The ones I'm seeing offered around here are every two weeks or so over 3 months. No option to just pick one of the classes .

I'm going to do some more digging into this and see what else might be available through DR.

[This message edited by unfound at 9:30 PM, August 6th (Tuesday)]


ka-mai
*******************
From time to time, I do consider that I might be mad. Like any self-respecting lunatic, however, I am always quick to dismiss any doubts about my sanity. DK

Posts: 14835 | Registered: Nov 2006 | From: mercury's underboob
metamorphisis
Administrator
Member # 12041
Default  Posted: 9:35 PM, August 6th (Tuesday)

I just read his books. I really like his "envelope system". We are much more controlled with our money using that.



“We don't see things as they are; we see them as we are.”... Anais Nin

Posts: 44423 | Registered: Sep 2006
lieshurt
Member
Member # 14003
Default  Posted: 9:35 PM, August 6th (Tuesday)

MH and I went to his one day (it was about 3 hours) seminar...it was very affordable and loaded with information.

I did the same thing. I highly recommend it.

He does sell his courses on his website, so you don't have to wait to take the classes if you don't want to.


I'm sorry if you don't like my Honesty, but to be fair I don't like your lies.

Sometimes it's better to push someone away...not because you stopped loving them but because you can't take the pain anymore.


Posts: 13723 | Registered: Mar 2007 | From: Houston
wifehad5
Moderator
Member # 15162
Default  Posted: 6:30 AM, August 7th (Wednesday)

Start with his books and the website. We also did Financial Peace University and a seminar. If you can do it, it's worth it


FBH - 42
FWW - 43 (BrokenRoad)
2 kids 7&12

The people you do your life with shape the life you live


Posts: 36942 | Registered: Jun 2007 | From: Michigan
letitout
Member
Member # 38288
Default  Posted: 7:46 AM, August 7th (Wednesday)

Where I live there is adult education classes that offer financial help. I know it's not the same as having someone come to you and sit down with you.

I have often thought of advertising on craigslist for someone to come over and help me learn about the computer, but I don't want "creepy" people and I know I shouldn't trigger but that is where my H got his uhmmm. But I still might do it.


BW 55, WH 64
2 years of prostitutes.

Posts: 281 | Registered: Jan 2013 | From: California
Helen of Troy
Member
Member # 26419
Target  Posted: 8:35 AM, August 7th (Wednesday)

Suze Orman
Mint website, this is free and fun has helped me tremendously. I have found financial leaks and realized I need to examine where I was rugsweeping/not being 100% honest with myself in regards to money.

These sites offer free personal financial classes:
Kahn Academy - awesome video tutorials on many different subjects
Gcf learn free
Academic earth
Academic Room
Open Culture
Coursera Org


Posts: 4693 | Registered: Dec 2009
I think I can
Member
Member # 17756
Default  Posted: 9:08 PM, August 8th (Thursday)

Another vote for Dave Ramsey. His website used to have referrAls to counselors. and he has a radio show that is very motivating. Also podcasts. Best book : Total Money Makeover.


I'm not the winner, I'm the prize.

Posts: 8810 | Registered: Jan 2008
movingforward777
Member
Member # 6850
Default  Posted: 11:37 PM, August 8th (Thursday)

http://www.gailvazoxlade.com/

Here is a link to another terrific financial planner/counsellor Gail VazOxlade...she has a tv show and goes and helps people sort out their finances. Her website offers all kinds of excellant tools/help....check it out....


You can't reach for anything new if your hands are still full of yesterday's junk.......Louise Smith

Posts: 4839 | Registered: Apr 2005 | From: Ontario
Topic Posts: 18