budget

Low-tech alternatives to using an online budget-tracking service

  I admit that when you’re new to something, it’s easy to get overwhelmed and not know where to start. “Just tell me what to do” is a common refrain in this situation (which explains diet books, and I’m not … Read MoreRead More

In-app-ropriate: don’t use an online service to track your spending

  There are numerous sites and apps where you can sign up to manage your money, track your spending, and all of that. From what I’ve seen, they range from okay to horrendous, depending on what their angle is (and … Read MoreRead More

Spend more for food

  When I lived in New York City, money was a big concern, and food was a big part of that. I never went out to restaurants, and in fact the once-monthly trip to the grocery store was a big … Read MoreRead More

Your bank statement is not a budget

  I get pushback from people about budgeting all the time. This is because people mistakenly believe that a budget is something that prevents you from doing things. In actuality, the exact opposite is true: you create it, so determine … Read MoreRead More

The one category in your budget that you don’t want to forget

  One of the tasks you do when starting out budgeting for the first time is to come up with spending categories for your expenses. These are things like transportation, groceries, clothing, things that you spend money on throughout the … Read MoreRead More

How the handle the stress of budgeting

  I last talked about bare-bones living, and how it requires extra attention and care. But when you’re living so close to the edge, you’re dealing with a lot of stress as it is. So it can be tempting to … Read MoreRead More

How to live on a very tight budget

  I talk a lot about various ways to get your financial life in line. This isn’t because I think that money is the most important thing, or that we should spend a lot of time on it in our … Read MoreRead More