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budgeting

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]

Start with recurring monthly expenses

I tend to divide spending up into four categories. [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

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]

Honesty: Truly, the Best Policy

Are you honest with yourself about money? Some of us could really use a financial reality check — from ourselves.