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Budgeting

Do Optimists or Pessimists Manage Their Money Better?

When it comes to our ability to make healthy and sound financial choices, mindset matters. If you’re an optimist, you’re likely someone who focuses on growth and advancement. You anticipate the best possible outcomes and — according to some...

6 Spending Strategies That Can Help You Save More

Philadelphia attorney Amy Gordon has a deceptively simple strategy for ensuring she won’t overspend. “If I don’t have dollars in my hand, I don’t buy it,” she says. Her cash-only approach is a very deliberate spending method she adopted five...

Get the Most Bang for Your Budget

For most of us, budgeting ranks at the very bottom of our to-do lists, right below completing our taxes and visiting the dentist. In fact, two-thirds of Americans don’t even prepare a detailed budget at all, says a recent Gallup poll. According...

Budget Bulge: How Spending Less Brought My Family Closer

Studies about women and money often find that we prioritize spending on our kids. That is certainly true for me. Although I loathe acquiring stuff for my children (I stop at H&M or Old Navy two or three times per year to stock up on kids’...

12 Ways to Trim Your Holiday Budget, Now

At the top of my list of most annoying things (up there with a box full of hangers and a stack of unfiled paperwork) sits this: stores that decorate for Christmas before Columbus has even had his day. The colored lights, faux foil icicles and...

Create a Bust-Proof Budget

The beginning of fall is welcome to many who delight in pumpkin spice lattes, the return of good TV and a change of season. For others, it is the unwelcome end of summer. Not only does it mean back to school or work, colder weather and darker...

What I Learned From Living on Cash

I have long preferred the simple swipe of plastic to handing over warm bills. (Doesn’t everyone?) Paying for things in cash is physically painful. As it should be.  When others have asked, my excuse for avoiding cash transactions has been that...

What is a Budget?

A budget is an estimate of income and expenses for a specific period of time in the future that can be used for personal, business or other purposes. Ideally, you have a "surplus" budget with extra income after all expenses and not a "deficit"...

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