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 […]

read more from this topic.....

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 […]

read more from this topic.....

I live in a family with generations of quilters. I’ve known how to sew since I was a little girl, but never really took an interest in it until recently. Let me tell you, quality fabric with attractive patterns can be quite expensive. Fabric for just one quilt for a full-sized bed costs $37. It might not […]

read more from this topic.....

There’s nothing like getting a raise.  More money coming into your home means more room in your wallet.  After finding out their getting a raise, most people start thinking of all the things they can now afford to buy.  A new tv, new wardrobe, new car… By all means you should enjoy your raise, but spending […]

read more from this topic.....

If you make a goal to get your graduate degree by age 27, you’ll take steps to reach that goal.  You might get a job with a company that has tuition reimbursement.  You might take a class to prepare you for the GMAT, LSAT, etc.  When you make decisions, you’ll keep your goal in mind. The same is […]

read more from this topic.....

Making a budget on paper is a good start, but for some people, it’s tough to put the paper budget into pratice.  You have to keep running totals of what you’ve spent in each of your budget categories and frequently compare it to what you’ve budgeted.  What good is a budget if the process is […]

read more from this topic.....

Prices on nearly everything keep rising but incomes aren’t increasing to match.  Unless you were previously underspending your income, you’re starting to feel the pinch in your wallet. Now’s the time to make some important decisions about the money you’re spending.  You might have to say no to some things and cut out some of your […]

read more from this topic.....

I don’t have to tell you what would happen if you walked around all day with a blindfold covering your eyes. You’d run into all kinds of things and probably injure yourself pretty badly. If you had the luxury of spending your day in an open field with no trees, buildings, or other people, then […]

read more from this topic.....