Budgeting articles


Everything you need to know about budgeting
I have written quite a bit about budgeting since I consider it to be a key component to getting our finances under control. Just like most people, I always hated the idea of budgeting, but once you get a better understanding of the freedom that comes with using a budget you fall in love with it. Or at least I have. ;)

This page will show you how to budget with various methods and everything else you want or need to know about budgeting. If you are just getting started I would suggest reading How to make a budget. From there I would consider getting some free budget software or download a household budget template.

Other articles about budgeting

How to budget with ING Direct
10 tips for a better budget

Money management tips for beginners

Budgeting is like baking cookies
How to budget with the envelope system
How to manage your bill payments
How I organize my bank accounts
How to quit spending more money than you make
Free budgeting form

7 Free budgeting worksheets

Even more articles about how to budget
To read even more just keep scrolling and you will find more articles about budgeting.
















Why Money Doesn’t Solve Money Problems

why money doesn't solve money problems

I mean if you were making what your boss is making, it will not fix your financial squeeze. There is a famous principle that expenses rise to meet income, so if you are having a hard time paying your bills or making a dent in your mountain of debt money is NOT your answer.

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5 Questions to Ask Yourself Before You Even Begin to Budget

Budgeting-Caps

Your budget has to make sense to you or you are never going to use it. Just because you found some cool spreadsheet online does not mean that you are now good to go. If you do not make it your own, it won’t go anywhere.

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How to Best Use Your Extra Paychecks

Extra Paycheck

The problem with extra paychecks is that most people don’t have a plan for them. What happens to your money when you don’t have a plan? It disappears with nothing to show for it. Here is how to put that money to work for you.

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How the 80/20 principle applies to your money

80-20-principle

You’ve probably heard of “the 80/20 rule.” The technical term for this common phrase is called the Pareto principle, named after . . . you guessed it, a man named Pareto . . . .

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$500 a Month You Might Be Overlooking

An extra $500/m that you may be missing

Would an extra $500 a month help? Of course. And it is possible that you already have that $500; you simply need to corral it and use it.

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4 Budgeting Tips for the Self-Employed (or Those with Irregular Income)

4 budgeting tips for those with irregular income

Working for yourself can be one of the most rewarding things you could ever do, but it can also be the scariest. It is exciting to wake up and know that you are writing your own W-2 for the year. No boss to answer to (unless you are married). Life is great. If things go as planned, you start to see money coming in the door. Then you quickly discover something very important: managing your money is even more critical.

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How to Rebuild a Bigger and Better Emergency Fund

how to rebuild your emergency fund...

What do you do when an emergency has occurred and you have had to use part – or all – of your emergency fund? When it is time to rebuild, here are some things to make a priority.

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How to Buy “Throw Away” Cars

How to buy "throw away" cars that look nothing like this beautiful convertible ;)

Some people do not want to drive older cars (especially when they are not nice looking), but I am content to do so, especially while we are working so hard on building a financial foundation. If you want to look for a “throw away” car, here are some things to keep in mind.

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Is it Really Okay to Make Budgeting Mistakes?

imperfect budgeting

Do you feel like if you were to start a budget, you’d fail? Or maybe you’ve been frustrated by past failures. You started a budget, but you just couldn’t keep up with it. Dare I say, many of us have probably struggled with budgets in the past. I’m certainly no exception.

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How to Talk With Your Kids About Money Issues

teaching kids about money

I can remember asking my parents to just write a check to pay for something that was ‘too expensive.’ When you’re a kid, money is something that just appears in your dad’s wallet and checks are used to buy things that you don’t have money for!

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How to Brainstorm the Best Budget Categories

budget category brainstorming

I’ve had friends ask me, “How many budget categories should I have?” The answer is somewhat cryptic: “As many as you need to save as much money as possible, but no more.” Here’s what you need to know . . . .

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My (Most Recent) Buyer’s Remorse Story

remorse

If you are anything like me, you have experienced buyer’s remorse. It’s that feeling that comes a few hours (or days) later, where you begin to think, “Why did I buy that?” A few weeks ago, I had it.

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4 Personal Answers to Common Budgeting Questions

budgeting

Occasionally, I’ll receive some questions from friends and family regarding budgeting, and I’m happy to share what I’ve learned. Below, I’ve included a few of the most common budgeting questions I’ve received and some answers to help you with your budget.

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