Dave Ramsey isn’t for everyone, and that’s fine. But for people who are new to budgeting, or who’ve tried and struggled to figure out how much should actually go where, his percentage-based system is one of the most practical starting points out there. It takes the guesswork out of the allocation question and gives you
A simple budget with six categories can do everything a 120-line-item budget does, without making you quit by February. That’s the whole promise of this method, and it’s held up in our house for years now. Here’s the thing nobody says about traditional budgeting: it fails busy people not because we lack discipline, but because
Get off the money struggle bus! Check out, what in my opinion, is one of the most effective budgeting methods around– zero based budgeting. Budgeting was a word I heard quite a bit when I was growing up, but less about the how’s and the why’s. When I left home and suddenly was responsible for
The Cash Envelope System is not new, it’s been around the block–a few times. Why is it still hanging around after all this time, you ask? Well, because it works. I know in this digital age people tend to crinkle their nose at the prospect of carrying cash. BUT if you are a regular, card-carrying member of
Hey there! If you’re reading this, you’re probably wondering what a no-spend challenge is and whether it might help you save money. Let me tell you – it’s one of the most eye-opening financial exercises I’ve encountered, and it’s simpler than you might think. What’s a No-Spend Challenge, Anyway? Think of it as a financial
Overspending rarely feels like overspending while it’s happening. It feels like grabbing something on sale, or a convenience that saves time, or a small treat after a rough week. The spending that quietly derails a budget almost never announces itself — it just shows up later when you’re looking at your account wondering where everything
Budgeting weekly is where it’s at, ya’ll! Do you know where the battle is won when it comes to budgeting? It’s the little things. It’s not about saying no to a $40 dress. It’s saying no to the $1 or $5 little purchases that may seem like a little, but end up being a bigger