January, 2011:

Implementing Your Budget

The steps I listed in my Getting Started with Your Budget post were worked out so that anyone could get started on a budget right away no matter how organized or disorganized their finances have been. Those steps intentionally involve some estimating of past expenses. Once you’ve worked out your budget using those steps and … Continue reading

Balance is Important

This post is a follow up to last month’s post, The Truly Important Things in Life. A comment I received on that post plus Jeff’s post Still Sustainable? on Sustainable Life Blog a few days ago and recent posts by Beks about her dad on her blog, Blogging Away Debt got me thinking about balance … Continue reading

Spend It All

Believe it or not, you actually can spend your way to solvency, even to riches, if you do it right. The first rule for achieving any degree of solvency or prosperity is to spend less than you make. Well, without violating that principal I’m here to tell you that you can achieve solvency and prosperity … Continue reading


Organization and good financial health go together. The opposite is also true, disorganization and poor financial health go together as well. It takes a bit of organization and paperwork to get and keep your finances in good shape. I’ve been there. “No time to do a budget.” Don’t want to bother with a check register … Continue reading


Why do stores and manufacturers send out coupons for their products? To get you to spend more money with them. There’s no other reason to do it. It works too. Grocery stores count on impulse purchases. If they offer you savings on item X, they figure you’ll buy items Y and Z while you’re there. … Continue reading

Your Most Important Investment

You are your most important investment. No matter what your financial goals are, you’ll have a much easier time achieving them if you first invest in yourself. How do you invest in yourself? Depends on your situation and your goals really. I’ll give a couple of examples to illustrate the point. Let’s say your job … Continue reading

A Budget is a Family Affair

If you have a family, budgeting is a family affair. Creating and following a budget is much much easier if you’re single and the only person you have to worry about is you. If you have a family your budget automatically involves your spouse and your children. That’s just the way it is. Spouses and … Continue reading

Your Finances in 2011

At this time of the year there are tons of articles concerning New Year’s Resolutions covering wide ranges of topics. Probably the most popular topics involve health (including weight loss) and personal finance. I tried to resist making a similar post but some of those personal finance articles kind of annoyed me because they had … Continue reading

How do You Budget if Your Income Varies?

If you’re self-employed, you work on commission, or your schedule at work can change from week to week (more or less hours per week) budgeting can be much more difficult because you don’t have a predictable income to work with. You want your expenses to always be less than your income but how can you … Continue reading