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Your budget: envelopes or a plan?

When I was first introduced to budgeting, the model used was the envelope method. Every payday you'd take your cash and divide it up among envelopes labeled "Rent," "Groceries," "Electric Bill," etc. [more]

by: Philip Brewer | channel: Budgeting

Start with recurring monthly expenses

I tend to divide spending up into four categories. [more]

by: Philip Brewer | channel: Personal Finance, Budgeting

A Budget is Not a Constraint

When people resist the idea of budgets, the most common reason is that they view the budget as an unwelco

by: Philip Brewer | channel: Budgeting

Budgeting for the rest of us, or How to follow a budget without breaking down in tears

Budgeting can be difficult. For some people (like me!), it brings up things that they may not want to see. For others, it's a necessary but frustrating tool to curtail spending, or a painful reminder of how much they overspent, yet again. [more]

by: Sarah Winfrey | channel: Budgeting