What is the first bill you pay each month? Is that bill working towards building and growing wealth, or is it going towards pure consumption?
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I talked last month about how I got myself into a little bit of overspending during the holidays. Luckily, I have a sufficient emergency fund to cover me in times like these. As a result of my overspending ways, I decided to try out a modified envelope budgeting system. Most envelope budgeting systems use cash in envelopes. I creates a basic Excel spreadsheet with a few spending categories to track my spending.
Welcome to the Carnival of Financial Camaraderie featuring articles on financial topics from around the web. It’s the end of another year and that is a great time to sit back and assess how you did financially in 2013 and put together a solid plan for next year.
Budgeting lite, a budget for the budget haters. I hate budgets. Yes, I do, and for a myriad of reasons *hides behind a wall to avoid cyber-stones thrown at her*.