Archive | Budgeting/Planning

Getting Started With a Budget
Using a budget is one of the smartest money management moves you could make. For guidance on using a paper & pencil system, read the Budget Quick Start Guide and make use of the Cash Flow Plan, Cash Flow Tracker, and Recommended Spending Guidelines, all found in the Resources section. For help using the online tool Mint.com, watch my tutorials here, here, and here. And for help with the Envelope system, read this article.

Remember, “The plans of the diligent lead to profit as surely as haste leads to poverty.” – Proverbs 21:5

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Profitable Ideas: Sales That Are Too Good to be True, Guide to Holiday Tipping, and More.

A weekly roundup of some of the best personal finance articles from around the web. Where are sales too good to be true? (Consumer Reports). Those deep discounts may not be all that they appear to be. Don’t get blindsided by home repair costs (MarketWatch). I generally recommend budgeting at least $200 month for maintenance and repairs, […]

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How’s Your Financial Health?

There’s a new report out that says very few Americans are financially healthy. Working with researchers at the University of Southern California, the Center for Financial Services Innovation (CFSI) developed an eight-question survey that was taken by a representative sample of U.S. adults, leading to what it calls the U.S. Financial Health Pulse. Its results […]

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Navigating The Mixed Messages Of Our Consumer Culture

If you’re really paying attention, life can be a very odd experience. Especially when it comes to money. For example, in troubled economic times, front-page newspaper stories regularly quote economists expressing concern that the personal savings rate is going up. I still vividly remember reading one such story during a previous recession. I had to […]

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What Matters More — Your Spending Rate or Your Saving Rate?

Those of us who write about money for a living can get a little carried away by some of the nitty-gritty details. That seemed to be the case in a surprisingly impassioned debate that sprang up recently over what a person’s higher priority should be—controlling spending or controlling saving. At first, it seemed kind of […]

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Setting Yourself Up to Win

I just signed up to do something I really don’t want to do, and I’d like to encourage you to do the same. Not the exact same thing I signed up for, just something you may not necessarily want to do. Let me explain. You see, there are plenty of things I want, and I’m […]

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Profitable Ideas: A Brain Wired for Wealth, Lower the Cost of College, and more.

A weekly roundup of some of the best personal finance articles from around the web. Is your brain wired for wealth? (Jason Zweig). A long read, but worth the effort for anyone who wants to invest better. 6 ways to lower the cost of college (The White Coat Investor). That ACT/SAT test prep course may be well […]

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Profitable Ideas: Keep Your Kids Safe From ID Theft, 10 Financial Fixes, and More

A weekly roundup of some of the best personal finance articles from around the web. 1 million kids suffer ID theft, so parents beware (CBS Money Watch). Checking to see if your children even have credit reports isn’t easy, but it’s important. Peer-to-peer payments carry risks (Chicago Tribune). With P2P apps, the rules are different, and so […]

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