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Recently, I came across a clip from The Dave Ramsey show where Dave was warning about why you want to avoid restaurants while you’re broke.  Restaurant food is entertainment. It is not nutrition. If you want to do entertainment, do it when you’re not in debt and you’re not broke and don’t have an emergency […]

I have a really bad habit of not checking my fantasy sports teams. Actually, some years are better than others, including the year that I won. But some years I can be really bad at it.  The problem is that the longer I go without checking on my team, the bigger of a hassle it […]

I’m a sucker for a good hack. I love the idea that there’s always an easier way to do something. I love the quote by Abraham Lincoln: “If you give me 6 hours to chop down a tree, I’ll spend the first 4 sharpening my ax.” As a culture, we’ve fallen in love with the […]

Recently, I was reading a great book by Oliver Burkeman called Four Thousand Weeks. The title is referencing the number of total weeks you can expect to live on average. Since your time is already so limited, you can only reasonably expect to achieve so much in your lifetime. You can’t achieve everything, but you […]

There’s been a lot of bad news lately when it comes to money. Inflation is at the highest level in 40 years, experts think it’s likely that our economy will enter a recession, consumer demand continues to be high, and even Bitcoin has taken a huge fall from grace.  The price at the pump is […]

Early on, Katie and I decided that we would have a hard and fast rule-that our kids would not sleep with us each night. The reason we made this rule was probably because of the years that we lived in our parents’ beds. I’m not too ashamed to say that if it wasn’t for my […]

Are you the type of person that enters your transactions into your budget as soon as they happen?  With YNAB(and other apps have started adding this functionality), you can manually add the transactions that you place immediately. Even if your budget imports your transactions later.  If you’re someone who just imports your transactions later, this […]

Whenever you’re starting to budget for the first time, it can be really frustrating. Oftentimes, when people give budgeting a go, you can pretty much expect that their category amounts are going to be off for a few months.  Of course, this will make many new budgeters get frustrated and decide that budgets aren’t really […]

I’ve always been pretty honest that food is the expense that gets out of control for me fast. I’m actually pretty good at keeping other expenses in the budget, but when it comes to food, that’s the one that gives me the most grief. Back when Katie and I were first married, if we overspent […]

I remember a coworker say one time that he doesn’t mind staying busy and working because when he’s off, he just spends more money anyway.  I’ve often found that I have the same trouble when we’re on vacation or just bored. Everything that you can normally think of to do costs money. The problem of […]