planning

Is Just Leaving Some Slack Better Than a Plan?

Are you as tired as I am of personal finance sites saying that you've got to have a plan? If you're a planner, it's unnecessary advice, because you've got a plan. If you're not a

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

What if energy costs keep rising?

Recession or not, I think the medium-term trend in energy costs is up.  Just in case I'm right, you ought to have plan for that.

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

25 Things I Don't Want to Regret Once I Retire: Take Two

Since posting the first part of my list of 25 ideas and goals that I want to live by and be able to look back on with pride when it comes

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]

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

Look where you want to go

Yesterday, as I teetered precariously on my motorcycle at the top of a steep hill, riding home from the repair shop and thus marking my first time on a motorcycle that wasn't in a flat, closed course, I was repeating one of the standard Motorcyc [more]

Like DIY? Avoid These 10 Costly Mistakes

I scoured the web looking for the obvious and not-so-obvious mistakes DIY addicts make and compiled this list.