Tag Archives: budget

The Advantages of a Simple Plan

When people set out to make a budget or adhere to a financial plan, they sometimes make things so complicated that they have no chance of success. They set up accounts at many institutions, they open ten credit cards to … Continue reading

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A Debt Free Life: The Value of Debt Free Friends

In the process of making out my Christmas card list for the year, I was struck by how many of our close friends are also debt free. I’ve never given it much thought, but there it was. We didn’t plan … Continue reading

Posted in Budgeting, Debt, Entertainment, Frugal, Personal Finance, Relationships, Saving Money | Tagged , , , , , , , | 10 Comments

When It’s a Good Idea to Pay a Fee

If you spend any time in the frugal/budget world, you’re likely to come away with the idea that you should reject all fees. If it means switching banks, changing how you pay for things, switching airlines, or dumping credit cards, … Continue reading

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8 Reasons Why You Need to Read Your Bills Every Month

The mail comes, you glance at your bills and drop them in the “To Be Paid” pile. Then, on the appointed day, you write out the checks or direct the online bill pay to do its thing and then you … Continue reading

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Five Things You Can Do Right Now To Improve Your Finances

Lean economic times breed a kind of desperate rush to do something to save money — right now. While it’s always better to take a breath and think out practical steps to reach personal goals, there are basic changes we … Continue reading

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A Life Without Debt: Dealing With Unexpected Expenses

Recently we got a bit of a shocker to our budget. The washing machine, out of nowhere, decided to give up on us. I can’t say I’m totally shocked; the poor thing was thirteen years old, after all. But still, … Continue reading

Posted in Budgeting, Debt, Frugal, Personal Finance, Saving Money, Shopping | Tagged , , , , , , , | 9 Comments

Couples and Money: Consultation vs Allowance

Posted in Budgeting, Entertainment, Food / Groceries, Personal Finance, Relationships, Shopping | Tagged , , , , , | 10 Comments

Inexpensive Ways To Get Organized

If you can’t afford the luxury of a professional crew of organizers and designers to organize your clutter and maximize your space, that doesn’t mean you have to keep living in chaos. Those of us on a budget still have … Continue reading

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Trash the Budget and Get Happy

In 2008 you worried and logged every cent you made. You made out a budget and tried to stick to it. Every month you failed. Something came up and you overspent. It caused a great deal of tension and maybe … Continue reading

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Stay Strong and on Budget

This is one of the hardest times of the year for me to continue setting money aside. For one, the money we earmarked for gifts has been spent, which makes the total in our account look smaller than usual. I’ve … Continue reading

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The Money-Wasting Days of Our Lives

In the days when I worked at an office, I would often get up late, rush to work and hit the coffee place on my break. I’d head to the corner shop for a snack in the afternoon, and then … Continue reading

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The One-Month Spending Crash-Diet: Weeks 2-3

I can see it. The end. It’s almost here. We only have one week left of no-spend month, where we vowed to only spend $400 for all of November on everything we need, including groceries, entertainment, and gas. But it’s … Continue reading

Posted in Budgeting, Food / Groceries, Frugal, Personal Finance, Relationships, Saving Money | Tagged , , , , , , , , | 6 Comments

How Come I’m Broke and You’re Not?

One of the questions I’m asked most frequently is, “How did you learn so much about finance?” The subtext to the question is usually along the lines of, “I know you aren’t a genius or good with numbers, so how … Continue reading

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The Money Journal Challenge

Are you left with more month than paycheck? Are you trying to stick to a budget, but can’t understand where all your discretionary income is going? Do you always end up searching the couch cushion and car seats for extra … Continue reading

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Six Supermarket Saving Secrets

Your grocery bill is likely one of the largest parts of your living expenses. If you were to rank them from largest to smallest, it would probably fall just after mortgage (or rent), energy and car payments. You can’t do … Continue reading

Posted in Budgeting, Food / Groceries, Personal Finance, Saving Money, Shopping | Tagged , , , , | 7 Comments

Throw Out The Budget

I find budgeting unreliable. Whatever method you use to budget, there is a good chance you are wasting your time, and possibly money. Just to be clear, when I say “budget,” I mean trying to predict how much you will … Continue reading

Posted in Budgeting, Personal Finance, Saving Money | Tagged , , , , | 13 Comments

5 Rules for a Financially Blissful Marriage

If there’s anything designed to ruin a marriage, it’s money. Not only could tension be created by the amount coming in, but there could be different money styles – a hoarder vs. a spender. My husband and I, thankfully, have … Continue reading

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Financial Lessons From Fantasy Football

Our personal finances mirror many things in life, and fantasy football is no exception. Wittingly or not, we apply many of the same tactics to succeed in both. At the risk of using way too many football analogies in one … Continue reading

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