budgeting

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

I don’t pay bills

  …and you shouldn’t either. Here’s why: … Read More

Draw your money graph

  If you are like most people, you think visually. A table of values might be nice to look at, but it doesn’t have the same impact of those values plotted in a visual way. So it should surprise no … Read MoreRead More

But keeping track of expenses is hard!

  I have suggested that you keep track of your expenses as they occur throughout the month. This raises some eyebrows, and questions are often asked. But instead of a standard FAQ, I thought it might be more fun to … Read MoreRead More

The secret life of your money

The most important way to control your money is to first know what it’s doing. Once you know that, only then can you manage it effectively. Your money has a secret life. You may think that you don’t know this, … Read MoreRead More

What to do when you go over budget

  You would think because I do financial coaching and talk about money a bunch, that I’d be an ace at it and never have any problems. Alas, you would be wrong. … Read More

Why keeping a budget is just like getting a raise

  I want you to keep track of what you earn and spend. But why? Is it a deep-seated need to assign homework? No way. Do I want you to become obsessed with your budget and spend hours and hours … Read MoreRead More

Why Charles Dickens’ Micawber was only half right

  I will rarely quote Charles Dickens, but here’s a great quote from David Copperfield by the character Wilkins Micawber: “Annual income twenty pounds, annual expenditure nineteen pounds nineteen and six, result happiness. Annual income twenty pounds, annual expenditure twenty … Read MoreRead More

What do you value?

  Joe Biden, the current US Vice President as of the time of writing (and possibly the most famous person from Delaware), is on record with a great quote: “Don’t tell me what you value. Show me your budget, and … Read MoreRead More