If you’re still trying to use the budget you made four years ago, you have a problem. Your budget is supposed to change as your life changes. So, if you’re still in the same place you were four years ago your very first budget might work for you. Hopefully, things have changed for you and […]

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It’s true, the internet makes it easier than ever to work from the comfort of your home. Scammers know it’s a topic that’s in high demand and they take full advantage of it. A lot of people are under the impression that anything on the internet is legitimate, but that’s just not true. Don’t Believe […]

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You can’t make a plan for your finances without knowing where you stand. You won’t know how much you can save, borrow, contribute to retirement, save for your kids’ education, or use to pay off your debt, if you have no clue how much you have. There are three key things that let you know […]

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Budgets are already tight this holiday seasons. Retail sales records indicate that people aren’t shopping as much as they’ve been shopping as they have in previous years. That’s a good thing for your wallets. As you try to make it through the holiday season with your wallet unscathed, watch out for those sneaky expenses, like […]

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You could end up replacing your car sooner than you expected. It’s quite possible that you’re wearing your car down with everyday “normal” activities that you don’t think twice about. For example, not using your parking brake cuts the life of your transmission. In case you didn’t know replacing a transmission costs thousands of dollars. […]

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Unless you’re someone that frequently has car accidents, car insurance is a necessary evil. You can end up paying thousands of dollars over the years and never get the benefit of having insurance.  But, most state’s require you to have it. Plus, it’s better to have it and not need it than to need it […]

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When I was in college learning about project management, we talked a lot about scope creep. That’s when your project slowly grows bigger because the manager is allowed new things to be added. It’s not a good thing because it makes the project take longer, cost more, and can impact quality. Spending creep happens when […]

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I know too many people who excuse extra-budget purchases by saying, “It was on sale.” There are few acceptable excuses for breaking your budget and a sale isn’t one of them, especially if it keeps you from meeting some other obligation. Sales are marketing tools that businesses use to get people to spend money. Everyone […]

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Spending money has never been more convenient than when debit cards were invented. Debit cards may have made it a little too easy to spend. When you use your debit card, it’s hard to keep an idea of your account balance. You can swipe to your heart’s content and won’t know whether you’ve overspent until […]

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I don’t believe in diets. I know people who are chronic dieters that never lose weight. There’s something about depriving yourself that makes you splurge later on. I advocate changes in eating habits. I have the same view about budgets. Budgeting doesn’t mean you can’t spend any money leisurely. If you try to budget that […]

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