budgeting

Survivor Island Meal Plans: Use it or Lose It in 5 Easy Steps

Whether you’re a bit strapped for cash, or you’re facing the dreaded task of defrosting your freezer, it’s always good to do a complete “use it up” routine with your food supply.

Budgeting Hack: Gift Calendars

There is no quicker way to derail a decent budget than having to buy unexpected gifts. Learn how to make your own Gift Calendar so you can steer clear of the cash crunch, organize

Behold: The Secrets of the Grocery Store

A trip to the grocery store may be a hit or a miss, depending on your perspective. Some people love going to the store each week and others detest it with a passion. But there are

Buying Shiny New Things Without The Guilt

Saving beforehand without dipping into savings or paycheck takes the guilt out of buying process.

When More is Less

We've all heard that less is more. If you're like me, you've also heard at least a million ways to apply that. But is the opposite ever true? Do we ever save in the long run by spe

Too broke to be frugal?

The first few years after I got out of college my finances were seriously out of control. I was making pretty good money, but I was spending all of it. Worse, I wasn't keeping tr

Leave Marley in the Movies: Why Buying a Trendy Pet Makes No Sense

Who doesn’t fall in love with the many animals featured in hit movies of today and years past? You may be hard-pressed to find someone who didn’t want to adopt 101 cute spotted dog

Plan for your wants

Budgets tend to focus on needs--food, shelter, heat, light, transportation, and (of course) taxes. They also provide for wants, but generally the smaller, shorter-term wants--cabl

Getting by without a job, part 1--losing a job

Losing a job is always tough. During hard economic times--when it may not be possible to find another job as good as the one you've lost--it's even tougher. Here are a few steps

Emergency belt-tightening

Typical personal finance advice would have you divide your budget categories into two groups: Your fixed expenses and your discretionary expenses. I generally don't like that dis

Looking On The Bright Side: How to Find A Silver Lining In The Current Financial Crisis

While this might be the biggest economic disaster of our generation, it might not be the big bad wolf that we all think it is. Quite the contrary, this little financial lesson migh

Financial Peace in Hard Times

Six months ago, I had plans. Lots of them. Career plans. Vacation plans. Financial plans. Then everything fell apart. My mother became ill. She had already been ill, having been di

Refactor Your Budget Categories

Use the budget categories put out by the Bureau of Labor Statistics to help you better understand your spending.

Make Grocery Budgeting A Game, The Price Is Right Style

Growing up, I stayed with my grandparents during the day on summer breaks from school. Our mid-mornings were usually spent casually watching The Price is Right. Maybe those Showca

Budgeting in a time of inflation

My very first experience running a household was in 1980, just as the last big inflation was spiking up over 10%.  My carefully constructed budget was completely destroyed by price

Join America Saves Week February 24 to March 2nd

This week is officially America Saves Week 2008. This is a campaign started in 2007 by many government agencies and private entities to encourage Americans to save because the per

What is keeping you from a life of financial independence?

My goal has always been to work for ten years and then have enough financial freedom to do whatever I want to do. Whenever I tell people this they seem to be rather incredulous an

Keeping The Budget In Budget Travel

To save money for your vacation you crafted a detailed budget and stuck to it. Now, with your bags packed and ticket in hand, you are ready to put all the of preparation and planni

A better way to create a budget

The only easy way to create a budget is to start with what you spent last month (and last year) and copy the numbers forward. If you don't do that, you're going to miss so

Making Every Penny Count With A Zero-Based Budget

Feel like you're just living payday-to-payday? Having trouble figuring out where all your money goes? Then a zero-based budget just might be for you.