Are you looking for some motivation to live frugally? Here is a quick look at why living beneath your means is essential.
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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.