5 Reasons You Probably Don’t Need A Budget In 2014

5 Reasons You Probably Don’t Need A Budget In 2014

It's that time of year again. Time for the lame goals that everyone sets but never accomplishes. Time to join the gym (again). Time to get all pumped up for like 3 weeks before you settle back into "normal" life and keep doing whatever it was that you were doing before. And the worst culprit of pretend goal-setting is "finally getting on a budget this year." Or it's close cousin, "going to stick to the budget this year." Who needs that crap? I don’t think you should even bother with it this year. Here are 5 reasons why you don't need a budget in 2014. 1. Goals Are Just Too Hard. You'd … [Read more...]

Dave Ramsey Christmas Budget Application

Dave Ramsey Christmas Budget Application

Like any good personal finance blogger, I follow Dave Ramsey on my personal Facebook account. You know, same thing that normal people do. Usually I just browse the titles of most of this stuff, and don't really have time to read it. Today something caught my eye, most likely because it had the words "Christmas" and "Budget" in it. I decided to click on the link and check out what new shenanigans DR was up to this time. Lucky for me, it was something pretty awesome, and if I had a team of expensive developers behind me as well, I totally would have created this tool a LONG time … [Read more...]

Too Rich For A Budget

Too Rich For A Budget

I have a budget. And I enjoy my budget. And I really like tracking my spending, getting great deals, improving our financial situation and making progress because I have a financial roadmap. But there are some out there who don't find any value with all the hassle it takes to log into Mint.com and look at where their money is going. I mean, seriously, 5 minutes is a CRAP LOAD of time, and it can't be wasted getting a snapshot of my entire financial picture so I can make sound financial decisions!!! What a waste. My time is just too valuable for that. This one's for you. Too Rich For … [Read more...]

You Need To Fail

You Need To Fail

Failure is not the worst thing that can happen. It's not. It may sometimes feel like it, especially when something big was on the line, but failure is actually the sign of something great. Failure is a sign of something much better than just getting by. Failure is a sign of actually TRYING! But I find that even I, myself, try to avoid failure at all costs. Why? I know that failing means I tried something, even if it wasn't in my realm of competency. Failure helps me learn, build new skills, find my limits and push past them. But I run from it like it's the plague instead of embracing it for … [Read more...]

I Heart Budgeting On Mint.com

I Heart Budgeting On Mint.com

If I told you that you could change your entire financial future in 15 minutes, would your ears perk up? Would you listen to what I have to say for just a little while, understanding that knowledge is power, and that getting the right information in your head can change your future? Well, I would keep reading here, because I just found out an amazing way to make that happen. It's called "GET ON A BUDGET NOW!" And luckily, I've written a nice little tutorial for you to make that happen. Check it out! Mint.com is back! I gotta say, I'm pretty excited about this. Mostly because I am so crazy … [Read more...]

The Surprising Way to have an Awesome Financial Life

The Surprising Way to have an Awesome Financial Life

The following is a post from Jackie at The Debt Myth. Check out her sweet blog and debt iPhone App after reading how to rock your financial life. Thanks for sharing, Jackie, as I finish up the last tax returns this week! Did you know that debt and the failure to thrive financially are often caused by just two things? They're things that can be fixed with a little bit of persistence and time. So what are they? They are: the lack of a plan for your money; and... not having an adequate emergency fund Luckily, creating a realistic budget that takes your actual life into account -- and … [Read more...]

Seasonal Budgeting

Seasonal Budgeting

I've talked before about those little emergencies that can absolutely kill your monthly budget, causing you to dip into savings or go into further debt to take care of. Things such as broken appliances, car repairs, water leaks and Christmas seem to come out of nowhere to blow up your budget. My solution to this is to create savings buckets for items that you can reasonably expect to pay for at some point. It's easy enough, you just put money away each month in a designated bucket, and when that event or "emergency" happens, you've already got money in place to take care of it. What I've … [Read more...]

Budgeting Infographic

Budgeting Infographic

In my comments, my awesome real estate agent Robby Leviton dropped a link to a sweet-tastic infographic put on by Intuit. It was posted about a year ago, but the details are still relevant. I wasn't surprised in the slightest that the largest expenses were food and entertainment. Now, I am all for gettin' my food on and catching a good flick, but there are thousands of dollars in potential savings here. I like that they, too, are trying to remove the word "budgeting" from the list of household swear words, as that has been my goal from the beginning as well. So let's check out what a household … [Read more...]