I don’t know why it is, but it seems like almost every marriage comes with a spender and a saver. I have seen rare exceptions where both are unleashed spenders – which often turns out to be quite disastrous, and even rarer still I have seen marriages with two savers. But for the most part, [...]
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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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With the current rate of unemployment and the fact that many jobs are still hanging by a thread I want to share with you some ideas on managing your budget during a job transition. For the last decade I’ve worked with the program participants of many outplacement firms. Over the years they have learned from [...]
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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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You Need a Budget (YNAB) personal budget software has a very catchy title and claims to be a proven way to manage your money that gets results.
Claims of YNAB
YNAB is based on four principles (called rules) of cash flow management. Here is YNAB’s explanation of what they are.
Stop Living Paycheck to Paycheck – YNAB will [...]
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2008 was incredible for the blog and I’m happy to say that I’m able to share with more and more of you as the blog grows to new heights! In 2009, I will continue to reach out to more people so if you know of people that may benefit from the writings of this blog, [...]
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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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A little over a year ago, Mint.com officially launched as an online money management tool. At the time, I was a little surprised because I’ve only known Mint as a personal finance blog with good articles and a great design. A year has gone by and after signing up 100,000+ users along with winning numerous [...]
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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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Deciding to consolidate your debts is an excellent choice for many individuals, but making that decision is only the first step, learning how to manage your finances is the next step in ultimately becoming debt
free. Budget planning can help you identify how you spend your money and where you may be over spending. The goal [...]
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Welcome to the 146th Carnival of Personal Finance, Q1 Financial Advice Edition.
There are many things we can do to help our finances throughout the year and certain ones are time sensitive. Now that the first quarter of the year has officially past, let’s look at what we could’ve done during this time while enjoying [...]
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How many of us really look forward to the weekend but don’t really have anything to do on a Saturday morning/afternoon? Other than writing on your blog or reading someone else’s blog to kill time, why not do a personal finance checkup?
I suggest you to start keeping track of how your net worth/debt and [...]
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