If you want to make long-term changes to your money habits, it’s hard. Because, in the end, it’s not a few grand sweeping decisions you’ll make. It’s ordinary, day-to-day decisions that lead to success. … More Really change your money habits
Your financial life has a fair amount of ‘stuff’ associated with it. Whether you know it or not, you created a ‘workflow’ to handle financial tasks. … More Describe your financial workflow
If you’ve read any of my other articles, you know I am big on tracking where your money goes. But cash is tricky. What are you spending that cash on? … More Casual Cash
If you are reading this, you likely have discretionary income. But what is it anyway? How much do you have? … More Discretionary Income
Travel is often easy to cut, but lowering your dining out expenditures is deceptively complex. … More What are the biggest budget busters you’ve seen?
[Cue flashlight under the chin] I’m going to answer this question with a personal tale of woe. … More What is your worst financial horror story?
When I’m looking to cut expenses, should I cut out household services like cleaning services, grocery delivery, meal kits, etc.?
Ultimately, it depends on how much benefit these services provide. I have listed two examples as an exercise to determine if the service’s benefit justifies its cost. … More Should I cut out household services like cleaning services?