Self-care is not doom spending

Self-care is an important part of life, and it’s okay (not reckless, and certainly not doom spending) to allocate money for this purpose. … Read More

Are you doom spending?

A phrase, doom spending (or doomspending) gets to the heart of the hopelessness people face about their finances and their future. … Read More

A better way to pay your credit card bill

To make the purchases feel more real, and thus add some more intentionality, why not pay off the charges in just the way that you put them on? … Read More

Mint is shutting down: what are your alternatives?

With the announcement that Mint is going away, people are looking for alternatives. But the best option is to use no service at all. If you’re a user of Mint, the personal finance app, you have probably heard the news … Read MoreRead More

Pouring the jug: How to handle when your income is irregular

I propose an allegory and model for thinking about how to deal with irregular income in a way that will help you reduce risk and uncertainty. … Read More

3 reasons to ignore your bank’s spending categories

You should decide your own categories based on your specific situation. Also, your bank will always be wrong. … Read More

What is the I.B.E. Method for building wealth?

I describe the method I’ve used for over a decade on how to take control of your financial life so that you have the money you need to spend on what you want. … Read More

You cheat not only the game but yourself when you don’t track all your spending

The meme “You cheated not only the game but yourself” applies equally well to when you hide certain purchases from your spending tracking. I don’t know how up you are on your Twitch streamers, but I quite enjoy watching certain … Read MoreRead More

Want to get an allowance? Make a budget.

Many think that making a budget is a restriction, but it’s actually the opposite: an allowance to spend money. I remember when I was a kid, I got an allowance from my parents. I loved it. Who wouldn’t love an … Read MoreRead More