Budgeting

How to Budget in Less than 20 Minutes a Week

How to Budget in Less than 20 Minutes a Week

One of the most common misconceptions about budgeting is that is takes a l-o-n-g time. Most people who do not learn how to make a budget do so because they believe they don’t have the time […]

How to Manage Your Cash Flow

How to Manage Your Cash Flow

The way your money moves through your personal economy is known as cash flow. Your cash flow includes the money coming into your possession, and the way money moves out of your possession. You can track […]

What to Do When You Can’t Pay Your Bills

With the higher than normal unemployment rate, and even higher underemployment rate, many people find themselves in a situation where they can’t pay their bills. If you are one of those people, here are a few […]

Can You Afford to Be a Single Income Family

Can You Afford to Be a Single Income Family

Life has a way of changing long-held opinions. I used to vehemently state that I would not want to stay home with my children (who did not exist at the time) because I needed adult interaction […]

5 Things That are Killing Your Budget

5 Things That are Killing Your Budget

Many people that create a budget have a difficult time sticking to it for one reason — incidental expenses. Although incidental expenses are only a small fraction of your expenses, they can have a really big […]

YNAB 4: “You Need A Budget” Personal Budgeting Software Review

YNAB 4: “You Need A Budget” Personal Budgeting Software Review

I have been a big fan of You Need a Budget for years. I began using it on the advice of a reader about 4 years ago, back in the days of YNAB Pro. When YNAB […]

The Zero-Based Budget, A Critical Key for Saving Cash

Until two years ago, I’d never heard the term “zero-based budget.” I have learned to dread it. In fact, I hate zero based budgeting. But we use it at our house, because it works. It works […]

Revamping Your Budget for the New Year

January is a good time for a budget makeover. After all, you’re likely setting your financial goals for the year, and it’s a good time to make note of lifestyle changes. Certain areas of your budget […]

YNAB 3 Personal Budget Planning Software Review

YNAB 3 Personal Budget Planning Software Review

It’s a new year and for a lot of you, it means a new try at keeping a budget. I know I slacked on keeping a budget toward the end of last year, and I’m ready […]

Why Keeping Track of Expenses Is Important

My first goal in my quest to pay off my student loan debt is to track every penny I spend in the month of January. It’s tedious. It’s sometimes hard to remember. And it’s hard to […]

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Disclaimer and Legal Mumbo Jumbo

I'm just an average mom, trying to live a frugal life and get out of debt. I write about things that have (and haven't) worked to improve my family's financial situation. What works for me may or may not work for you, and you should always consult a financial advisor before making important financial decisions.

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