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You’ve know exactly how much you make, to the penny. You’ve listed all of your bills in a spreadsheet, including the annual payment for your membership to Save the Combat-Wombat. You know exactly how much is coming in and how much has to go out each month. Your income is more than your expenses, [...]
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Getting started saving money is hard. It’s easy to get used to instant gratification and impulse purchases. Postponing material fulfillment takes discipline and deferred enjoyment. I don’t like deferring my enjoyment, but I do it. The path to successful savings isn’t always easy, but it is gratifying, when you give it the time and [...]
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On of the biggest problems we had with controlling our finances was knowing where the money went. Have you ever said “Honey, do you realize we spent $900 eating out this month?” I have. The amount we spent on some categories was mind-blowing. Maybe some people don’t see $900 at restaurants, $400 on clothes, [...]
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