I personally believe that Cash for Clunkers was a mistake . . . you might disagree and you are welcome to your opinion – it’s a free country! (at the moment) If you do happen to believe that incentivizing consumer deficit spending through the use of government debt is a good idea, you will be [...]
I get many emails each month from people asking for financial help and advice. A very common theme in these emails is something along the lines of: “I am very frugal and spend little to nothing, but still don’t have enough money to make ends meet“. My reply? You don’t have a spending problem, you [...]
Do you save all your credit card reciepts and then enter them in a spreadsheet at the end of the month?
Do you enter the spending from a particular day every day?
Do you use You Need a Budget?
Are you a cash and envelope user? Once the envelope is empty, your spending stops.
Do you have a particular [...]
