reducing expenses

Create Your Own Raise

If you haven't gotten a raise recently, maybe you need to create your own. Here's how.

40 Tips to Accelerate Your Cash Flow

40 ways to improve your cash flow in the following five areas: Expedite Cash In, Optimize Cash Out, Increase Revenue, Decrease Expenses, and Save Taxes.

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

Start with recurring monthly expenses

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

How to live on $12,000 a year

In my first job out of college, I was on 12,000 English pounds per year. That was back in London in 1996, i was single, lived with two friends and only had rent and travel to pay for. And I still remember how tough that was. [more]