Tagged With: budget

The surprise I got from spending only cash for a month

  For the past month, I have spent nothing but cash for all my expenses. (Bills were paid automatically.) You can read about why I did this in greater detail, but more than anything, I basically just wanted to see what would happen. Would I spend more? Would I spend less? What would I learn … Continue reading »

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How to succeed at your first month of budgeting

  Let’s say you finally decided to make a change and create a budget for your finances. Perhaps you’ve become suitably inspired, or, like the parable of the burning building, the alternative had become that much worse. So what do you do? Do you sit down, create 25 different spending categories, look back on five … Continue reading »

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How to combine finances when you’re non-monogamous

  So, if you’ve been following along, I talked about commingling finances for couples, and the importance of talking about dreams to get on board together. Then I hedged a bit and talked about how speaking solely of couples is inadequate, that the focus on just two people rules out people whose lives contain more than … Continue reading »

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The importance of a shared financial strategy for couples

  In my post about how couples can combine their finances, I ended by stating that if there was any wrong answer on the many ways that such commingling was possible, it was to not talk about your strategy. If two people are working in opposite directions, they are going to get nowhere. If one person … Continue reading »

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How couples can combine their finances

  So, you found that special someone, and decided to take the leap, either toward cohabitation, or civil union, or marriage, or anything that merits the phrase “take the leap“. Congrats! I bet one thing you’re not thinking about in all of the excitement is money. Unsurprisingly, I believe that’s a mistake. Because talking about your … Continue reading »

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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 saying this in a bad way). I recommend everyone track their spending (specifically their Expenses, … Continue reading »

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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 what they’re selling). My problem with them is primarily that they are unnecessary. Do you … Continue reading »

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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 event. I would go to the lowest-cost grocery store, where I would fill up a … Continue reading »

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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 what you can do! If you allocate $150 for clothes this month, then spend $150! … Continue reading »

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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 month. The choice of categories is a personal one. If you spend a lot of … Continue reading »

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