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I’m finally doing what I always should have done, and what I thought nearly everyone did. I’m budgeting. An actual written budget about what gets spent in the household. And my family sticks to it.
Being a personal finance writer, my money is a pretty open book, as I often write from experience, but I’ve recently had [...]
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No news to anyone who has had an ATM/credit card, you spend less when paying with cash than with a credit card. There is a disconnect with credit which allows people to not feel the “pain of paying”. So that is incorporated as part of the method that my wife and I use to budget [...]
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This past weekend I found glaring holes in our family budget. Although we keep a pretty tight budget, including a wee bit of fudge room, we had a major expense that should not have been such a surprise. Well, I guess the surprise was not that we were going to spend the money, just figuring [...]
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