The biggest problem with budgeting (other than being incredibly boring to most people) is that people don’t do it. What most commonly happens is that as people earn more money as they progress in their careers, they simply spend more money. Basically, people spend what they earn. (Some even spend more than the earn but… Continue reading The Problem with Budgeting
Category: budgeting
Sustainable living – for your wallet. Whatever your goals – building a nest egg, saving for retirement or traveling the world – knowing how to budget, save money, and be frugal will help you get there.
How Finances Figure in Frugality
As usual, when I start to write a post about budgeting every month, I think why do I do it? Why don’t I just delete the whole category of “budgeting” and save myself the trouble. They’re the least read posts (trust me, thanks to Google Analytics, I can tell), they’re not sexy or pretty to… Continue reading How Finances Figure in Frugality
Investing Strategies
This was a question my friend, Annie Kip, asked me recently: “What do you do to make sure your savings are safe?” She also included this: “I love your down-to-earth money management advice. I am wondering if you have a personal take on investing at this time. The stock market seems very risky right now. … Continue reading Investing Strategies
Free Tools For Your Blog or Website
I love saving money or finding a treasure at one of my usual “haunts” but getting something for free is the best. Below is a list of “free” tools that I use for this site. Add these to your “blogging” toolbox and you won’t be sorry. They’re all free and very useful. And, as I… Continue reading Free Tools For Your Blog or Website
How to Save Money Each Month
Most people spend what they earn. If you want to get ahead and save more money each month, you have to keep your expenses less than your income. Sounds simple, right? By following these steps, it is. The biggest key to being able to save more money each month is to contribute to your savings… Continue reading How to Save Money Each Month
Frugal Grocery Shopping
To clip or not to clip; that is the question. It is often assumed that people who are frugal use coupons, coupons and more coupons. It is possible to be frugal and not use coupons for your grocery shopping needs. Unless it is the exact item you want, using coupons means you must spend money… Continue reading Frugal Grocery Shopping
Do Kids Really Need Cell Phones?
“The Family Plan” marketing strategy for cell phone users is impressive. Cell phone companies make it sound like each person in your entire family must have a cell phone. My kids would probably be thrilled if we (their not-smart-in-the-least-bit-parents) bought into this marketing-mayhem, but we just can’t. This question has yet to be answered: Do… Continue reading Do Kids Really Need Cell Phones?
Understand the Financial Crisis by Viewing
As a fitting end to financial literacy month let’s try to educate ourselves about, not just our own financial situation but, that of the country, and in the process maybe we’ll learn a little about ourselves. The enormity and scope of the financial crisis is so all encompassing and affected so many people that it’s… Continue reading Understand the Financial Crisis by Viewing
Learn to Shop at Goodwill Outlet Store
One of the best ways to save money at home is by purchasing used items, instead of new. If you’d like to learn to shop at one of my favorite used clothing, furniture, and book stores, come join me for a field trip adventure! Read on for details and see what I love to purchase… Continue reading Learn to Shop at Goodwill Outlet Store
Links to Like: Financial Sites I Like
Since this month is National Financial Literacy month, this week’s focus is money, budgeting, and personal finance. I don’t just recommend sites on a whim so, if it's listed below, that means it's worth sharing. If you have a favorite financial site, I’d love to hear about it! Financial RX founder, Wendy Mihm, says "I… Continue reading Links to Like: Financial Sites I Like
Go Gingham 