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
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
Saving beforehand without dipping into savings or paycheck takes the guilt out of buying process.
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
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
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
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
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
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
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
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
Use the budget categories put out by the Bureau of Labor Statistics to help you better understand your spending.
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
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
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
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
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
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
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.
Are you tired of reading the same frugality suggestions? I'm talking about the repeated exhortations to eat out less, turn off your cable, and stop buying expensive coffee dri
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