Site Archives making a budget

Budget Categories Are Not Licenses to Spend


On one of the financial forums I frequent, a woman who was deep in debt posted looking for help. The main problem was that she couldn’t understand how their debt had ballooned because, “We have a budget.” When other posters started asking for more details, it emerged that she had gotten a budget sheet out [...]

Priority Spending


A long time ago, when I was starting to get my finances in order, I did everything I was supposed to do. I made out budgets, I tracked my spending, I watched all the small expenses, and I planned for the bigger expenses. This was all well and good, but something was still missing. I [...]