I can talk all day long about what you should do. How you should do it, and why. But people won’t start doing something like budgeting unless they come to it willingly. We have to feel that an active choice has been made. I hear stories everyday of how people are doing something that in [...]
People tell white lies all of the time. we tend to hold back things that we may be embarrassed about. when we are budgeting with a spouse or significant other these tendencies come out full force. That’s when the sidecar budget comes in. The sidecar budget is there to hold all of the personal things [...]
My dad has a cell phone plan with 60 minutes a month. He turns off his phone 99% of the time. When I asked him why the hell he did this he stated that he has it for emergencies and people aren’t going to call him if there’s an emergency. People love cell phones but [...]
I am asked weekly if the government has provided any money to bail out people in debt. Nope. Should they? Except in extreme cases, credit card debt is usually a symptom of spending too much, not budgeting and not paying attention to the balances that result. Fix the budget, spend less than you earn and [...]
Can I buy this giant thing that I can’t afford? This question lets Dave Ramsey and Suze Orman talk for an hour every night saying the same thing to every single caller. NO. But what they don’t say really says a lot about how we perceive money and status in America. What do we want? [...]
Everybody has made a grocery list. Most if us know the layout of a grocery store. These things are easy. But budgeting is easy too. statisticians say that upwards of 70% of people don’t have a budget. I get it. It sounds scary, like you’ll have to do crazy math or something. Uh-uh. Pretend like [...]