Tag Archives: Budgeting

Scheduling to Save Money

Believe it or not, your daily schedule says a lot about your spending habits. Is your schedule packed to the gills with spending opportunities? For example, do you schedule your days around eating out, going to the mall, or going … Continue reading

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Dave Ramsey Financial Peace University: Week 3

This is a series of posts about what you will find in Dave Ramsey’s Financial Peace University course. This is week three (week one and week two) The lesson for this week was cash flow planning, also known as budgeting. … Continue reading

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The Importance of Identifying the Cause of the Problem

Regardless of whether you are looking to reduce spending for the purposes of debt reduction, or for saving, the first thing that must be done is to identify where you are spending money unwisely. If you are not ready to … Continue reading

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A Life Without Debt: Managing Once a Year Expenses

Those large expenses that don’t occur monthly are a big reason why some people end up in debt. Even people who are well intentioned and good at avoiding debt in other circumstances are often caught by surprise by these big … Continue reading

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Why Literacy Is An Important Financial Building Block

“More than 20 percent of adults read at or below a fifth-grade level – far below the level needed to earn a living wage.” – National Institute for Literacy “Nearly half of America’s adults are poor readers, or ‘functionally illiterate.’ … Continue reading

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Budget Categories That Our Grandmothers Didn’t Have To Worry About

When talk of saving money comes up, it usually leads to talk of the “good old days” when things were simpler and less expensive. Many people reminisce about the days when a stamp was ten cents, a loaf of bread … Continue reading

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A Life Without Debt: Saving For The Fun Of It

It sounds like a no-brainer, but a big part of what keeps us out of debt is simply not spending too much money. Whether it’s on splurge items or our regular budget items like utilities, clothing, etc. we are always … 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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Why I Force My Kids to Contribute to Birthday Party Gifts

Although my wife and I may not be the most social of couples, our kids more than make up for our willingness to miss parties. My kids have always been popular with their peers and, when they were younger, routinely … Continue reading

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Go After the High Hanging Financial Fruit

Not long ago I wrote about low hanging financial fruit. These are the easy things you can do to save money that don’t require a lot of time, effort, specialized knowledge, or lifestyle alterations. Now I’d like to move on … Continue reading

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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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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

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Start: Your Finances Won’t Get Better Until You Do

You know you need to pay attention to your finances and create some kind of spending plan. So why haven’t you started? Are you just waiting for the right software, book, or moment? Maybe you feel overwhelmed. The reasons for … Continue reading

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Why You Don’t Want A Budget

Conventional wisdom says that you should have a budget to get the most out of your money. While I believe a budget is a good thing to have when money is tight and you are first learning how to take … Continue reading

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How to Opportunity Budget

When setting up and running a household budget, the most important thing is that it works for you and your household. There are many good systems and practices that people may recommend, but the ultimate test of such a system … Continue reading

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When Staying In Becomes More Expensive Than Going Out

A neighbor recently announced that she was getting serious about getting out of debt and saving for her family’s future. “Good for you,” I said and meant it, right up until she started detailing her plan for becoming more frugal. … Continue reading

Posted in Budgeting, Housing, Personal Finance, Saving Money | Tagged , , , , , | 11 Comments

Don’t Monthly Payment Yourself to Death

Most people are probably painfully aware that gas prices have been rapidly increasing over the last couple of years (and especially months), thus also increasing the costs of any items needing to be delivered from anywhere, the most common being … Continue reading

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How Your Budget Can Help Your Memory

Do you ever find that it is difficult to remember things? A weak memory is often hard to fix, but there are some things you can do to help yourself remember things. I’ve actually found that having a budget helps … Continue reading

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Funding The Holidays: Twelve Funds of Christmas

Christmas cheer kicked in when I returned from my vacation and decorated my house. I emptied my Post Office box into a bag, then onto my table. Christmas cards (I scribble on a notebook some addresses before the envelopes disappear), … Continue reading

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