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Organizing budget

What Change Would Affect You Most?

So you've made the commitment to revamp your finances this year, but where will you start? Prioritizing the changes you're making might be a no-brainer for you, or it may be a bit challenging. Which of these changes would impact your finances the most?


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smcose smcose 9 years
this is the year for my husband and I to save as much as possible. The house market around us is priced too high, so in order to afford it we needs at least $50,000 down. Well, we only had about $8 we could put down and still have a nice savings to fall on if something happened. My inlaws are letting us live in their basement rent free untill we can save enough to get out own house. Yes not having our own apartment is a huge kick in the ass, but it's the only way we can sve so much in such a short amount of time. This way I'll be in my first house befor eI am 25, wich is not too bad.
JaimeLeah526 JaimeLeah526 9 years
Saving would make the most difference in my life although if I got out of debt and didn't have those payments to make that would save me a lot of money every month that I could put in my savings account.
beingtazim beingtazim 9 years
i would be far less stressed if i was debt-free. i will be making some changes this year with how i spend and such. i would like my roommate/best friend and i to be debt free by the time we graduate so that we are in a better position to get a mortgage in the future.
MuffinGal MuffinGal 9 years
If I could get rid of my debt, I would have less stress. I could focus more on saving MORE for a downpayment on a house!
gruaig_rua gruaig_rua 9 years
Saving more would be great. I'm not do too bad a job now but it's slow, hard work. I want to go travelling for a few months but when I get back I need to seriously look at buying my own place. So having some savings towards a deposit would be fantastic.
rlveronica rlveronica 9 years
Pay my credit card debt, then start paying off my school loans. While doing all of that... try and save for retirement. Oh my goodness, so much to do, but I know I can do it!
cassedy04 cassedy04 9 years
i've gotta start saving more - i'm so close to paying off my car, and moving in with my bf, and he's so good with money i would hate to blow it, haha!
chakra_healer chakra_healer 9 years
Paying down debt, my school loans are redic. I'll be married soon and fortunately my husband (hehe) owns a house, has a job, and owns a business, so we will not struggle as he works to start up anything or have to buy a home. His retirement situation is looking very good. Mine not so much as it is about 7k. However, I have 4k in stock and will be teaching after graduation which will means fully vested/full retirement and tuition reimbursement after five years. Plus, i am hoing to work in a disadvantaged area for federal loan forgiveness.
rosey_y rosey_y 9 years
Saving more! The only debt I have is interest-free student debt so at the moment I'm saving for a down payment on a house.
bailaoragaditana bailaoragaditana 9 years
Save. Well, actually, just earn lots and shovel it into my student loans. And my current education needs.
bellanatella bellanatella 9 years
I want to learn more about money.
sweetpeabrina sweetpeabrina 9 years
This is my year to pay down my credit card debt.
ilanac13 ilanac13 9 years
i think that getting rid of all my debt - leases and all that would make the largest impact on my life. i think that sometimes i feel like although i'm making payments - i'm still bogged down and that frustrates me
ElectroPopTart ElectroPopTart 9 years
Thanks to VERY loving parents, I don't have any debt, since my bills (school, living, car) get paid by parents...except the cell phone and anything I buy like clothes and toiletries....SAVING money would make a HUGE impact.
rumpel2 rumpel2 9 years
Also, I would like to invest in stocks...i am totally clueless abt it!
rumpel2 rumpel2 9 years
debt - car loan and student loan!
lawyerjen lawyerjen 9 years
Sadly it's paying off debt (credit cards and student loans). If only it made more sense to save. When the intrest rate on a savings account is lower than the interest rate on our bills it just makes more sense to pay off as much as possible. Otherwise it would just mean throwing away money to high interest rates. Sigh...
Kelly-O Kelly-O 9 years
I want to learn more about investing and making our money grow. We're currently paying down debt and creating our savings, but I don't know enough about investing to even know where to start.
julieulie julieulie 9 years
Har har. Increase retirement contributions? Try starting retirement contributions.
bfly1133 bfly1133 9 years
For those of you working on getting out of debt, I would recommend learning about the Debt Snowball from Dave Ramsey. It's a fabulous way to organize your debt paydown. My husband and I only had student loans and a car payment to pay off, but it was still a great resource. I don't agree with everything Ramsey has to say, but this idea is wonderful.
Lovely_1 Lovely_1 9 years
I am getting rid of my debt! I have already started too! It's not THAT much but to me it's still debt and I want it gone! Then, I am going to start saving. Partically for vaction and partically for I dunno what! My boyfriend said if I want a new car though he woudl pay more of the rent...hmmmmm....
freegracefrom freegracefrom 9 years
Debt. Credit cards and car loan and student loan and... agh.
MandyJoBo MandyJoBo 9 years
Debt! My boyfriend ran up a lot of debt trying to impress me when we first met. Now, 9 years later, he's still paying it off but he has a great-paying job. I can't even imagine having all of that extra money a month!
supercoolnat supercoolnat 9 years
My husband and I would love to buy a place, and although we may end up waiting a few years, I want to be aggressive with our savings and investing to set ourselves up for a nice fat down payment. Oh yeah, and then there's his massive med school loans.
Allytta Allytta 9 years
finding a job :D
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