Tag Archives: needs

Justification or the Truth?

I went out to lunch with a sometime friend/mostly acquaintance (it’s a complicated relationship) the other day and she spent the better part of the meal checking her cell phone, texting, and LOL’ing to Facebook posts. At one point she … Continue reading

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What Do You Need?

If you want to get ahead financially, one of the most important questions you can ask yourself is, “What do I need?” It seems like such a simple question, one where the answers should be immediately obvious. You need food, … Continue reading

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Crafting a Healthier Approach to Work

I wrote earlier about just how far we should expect an employer to bend when dealing with work/life balance issues. The point of that piece was that while an employer may be willing to help you balance your work and … Continue reading

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When Your Needs Become Wants

One of the keys to financial success is learning how to separate wants from needs. It sounds easy. A refrigerator is a need. A car (in most cases) is a need. Housing is a need. Utility usage is a need. … Continue reading

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Taking Issue With The Balanced Money Formula

If you’ve read the book, “All Your Worth” by Elizabeth Warren, you’ve probably seen her “Balanced Money Formula.” You may have seen it even if you haven’t read the book because it has become the budget of choice for many … Continue reading

Posted in Budgeting, Personal Finance, Saving Money | Tagged , , , , , , | 8 Comments

The Simple Question That Saves Money

When it comes to personal finance, the one question that can save you a lot of money, time, and heartache is, “Why?” Too often, though, it’s the question people don’t ask. I learned a long time ago to ask why … Continue reading

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Amish Money: 10 Frugal Lessons from the Amish

Amish people and communities are unique in many ways. To most outsiders, they’re known mostly as soft-spoken people who live a simple life, don’t use electricity and don’t drive cars. They’ve also had just enough bad press to make some … Continue reading

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The Advantage of Over-Analyzing Your Spending

I’ve reached a point in my financial life where I tend to analyze everything to death. It’s not just because of the money, either, although that’s a big part of it. My small house only has so much space, so … Continue reading

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Reasons Not To Have A Cell Phone

I am probably one of the last people in the US that doesn’t have a cell phone. I don’t have a cell phone to protest in any way. I actually think there are a lot of interesting aspects to them. … Continue reading

Posted in Budgeting, Frugal, Personal Finance, Saving Money, Utilities | Tagged , , , , , , , , | 15 Comments

Know What Makes You Happy to Improve Your Finances

I am a firm believer, from my own experience, that after committing to spend less than you earn, the most important thing that you can do for your finances is to truly understand what is important to you and what … Continue reading

Posted in Budgeting, Frugal, Personal Finance, Relationships, Saving Money, Travel | Tagged , , , , , , , , | 5 Comments

Wants that Morph Into Needs

Last year I finally caved in to my baser urges and bought a Wii. I also bought the Wii Fit and balance board to go with it so I could get a little fun exercise on bad weather days. I’ve … Continue reading

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What Do You Want?

What do you want? I don’t mean what fantastic things do you wish you owned or could do or could be. What reasonable things do you want in life that you do not currently have? Do you want to be … Continue reading

Posted in Health, Personal Finance | Tagged , , , , , , | 4 Comments