budgeting
Money

Let Yourself Splurge A Little For Hitting Savings Goals

Saving money requires a lot of discipline and delayed gratification. However, as the folks at finance blog Wise Bread have written, it’s important to make sure that gratification does come.

9 February 2013

Money

At What Point Does Frugal Just Become Stupid?

Frugality can make your life better, but it also has the capacity to make it miserable. In the process of living on the cheap, we can often diverge into a path of stupidity. Where do you draw the line between frugal and stupid?

18 January 2013

Money

The ’10 Rule’ Helps Keep Your Spending In Check

When you’re trying to save money, it’s often hard to figure out what expenses really matter to you. You might even spend more time rationalising the expense than you would just buying it. To stop that from happening, financial blog Budgets are Sexy shares the “10 rule”.

29 December 2012

Money

Create A Budget For Hobbies Based On Accomplishing Other Goals

Reader Molly has an interesting approach to budgeting: instead of just setting aside money for recreation, she only allows herself that money after she accomplishes other goals and chores — not unlike the allowance you got when you were a kid.

12 December 2012

Small Business & Startups

Treat Your Freelance Work Like A Stock Portfolio To Meet Income Goals

Freelancing is a tough business — it’s important to keep yourself flexible so you can meet your income goals. Creativity site 99U suggests that the best way to do that is to treat your freelancing just like a stock portfolio.

1 December 2012

Money

Save Money By Avoiding Financial Decisions When You’re Sad

It may not come as a surprise that we spend more money when we’re sad, but a recent study shows that it can inhibit other more complicated financial decisions too. The study suggests that feeling down makes people more likely to give up more money in the near future in exchange for significantly less today.

13 November 2012

Money

Pay Down Debt Easily By Creating Multiple Savings Accounts

Getting out of debt often seems impossible because the process doesn’t happen overnight. You need to put together a plan that you will stick to over multiple years. JoAnneh Nagler was stuck with $80,000 in debt and paid it off by separating her savings into specific accounts:

31 October 2012

Money

How To Manage Your Spending Habits When Your Salary Changes

Virtually no-one goes through their whole life on the same salary. Things change — you get a new job, get married, divorced or laid off — and you need to recalibrate your spending habits. Here’s how to do it without throwing your life into turmoil.

30 October 2012

Money

Match Entertainment Spending To Time Spent

Budgeting for entertainment is tough when you have a lot of hobbies. If you’re struggling to work out what to spend your money on, think of how much time you spent with a hobby the last month.

13 October 2012

Money

Create A Pet Emergency Fund To Avoid Surprisingly Large Vet Bills

We love our pets and when their health is in dire straights we can spend a lot of money on surgery, expensive medications, or other veterinary expenses. So why not create a pet emergency fund?

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