envelopes

Your budget: envelopes or a plan?

Posted 2 years ago by Philip Brewer

Filed Under: Budgeting

Budget envelopes

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. Then, when it was time to shop for groceries or pay a bill, you'd take the money out of that envelope.

Just to be clear, even I'm not old enough that anyone I knew ever used actual envelopes. We'd keep the money in a money market fund or savings account (nowadays probably an internet savings account), and use a spreadsheet (or paper) to keep track of the categories. But the model was envelopes.

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Junk Mail revenge part 2 - It's WAR!

Posted 2 years ago by Paul Michael

Filed Under: Consumer Affairs

war!

In my last article about the dreaded junk mail, I showed you how to make some easy money from a ValPak coupon. Hopefully, a few of you have already taken advantage of that. Well, now it's time for the next stage of my anti junk mail campaign. This one is a lot of fun, and if enough of us do it the junk mailers will be out of pocket by many thousands of dollars.

Continue reading "Junk Mail revenge part 2 - It's WAR!"

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