Monthly Archives: January 2012

In tough economic times, we all must manage our money closely to stretch every dollar, which is why we all believe making a household budget is very important.  Unfortunately budgeting is hard, and it takes discipline, so we don’t do it. Don’t worry, there is another option: don’t budget.  That’s… Read more

Conventional wisdom is that you need a budget to manage your money.  It’s true that having a budget makes it easier to analyze where you are spending money, and to find places to cut expenses to pay down debt, or to save money. But making a budget is hard.  Keeping… Read more