While the recent economic crunch has tempted all of us to reevaluate the things we spend money on, it may end up being the patterns of your spending that help you the most in the long haul. Having the discipline to actually change these patterns may prove more difficult than just locking up your wallet.
Not [...]
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UH2L’s comment sparked another idea on slowing down the mini David in me that likes to splurge.
So when I want to buy nice things that are somewhat expensive, I plan ahead and I budget.
What would happen if we stop buying everything from now on when we want them and instead plan and budget for it? [...]
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According to the National Bureau of Economic Research, America has been suffering through a recession since December 2007. As people go cold turkey on credit and struggle to put their households on a cash basis, the first thing most of us need to do is spend a month finding out exactly where our money is [...]
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A man once told me that nothing should be unexpected because we can always expect that something unexpected will happen. Right now, I’m too upset to figure out whether I agree with this or not because the unexpected occurred to me – I received a bill from my doctor for $100.
“Your health insurance will cover [...]
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Sandy knows she is growing her savings by having a surplus each month and putting it in high yielding online banks. When she was puzzled about budgeting, she wrote in and said:
I have $100,000 saved up in bank accounts by following good frugal practices that you and others outline. I however don’t budget and never [...]
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My parents taught me so much of what I know today. The importance of living below our means, the understanding of money matters and the appreciation of compound interest are all values that were ingrained into me at a very young age. I remember my mom used to tell me “there are always ways to [...]
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