Spending Money
by John
May 7, 2010
Building a financial foundation is a lot like building your own custom vehicle – you have to have the right components. Everything must be working together in unison to get you where you want to go. Each part is important. Each part is essential. The only trouble is where to begin. I’m going to attempt [...]
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by John
May 3, 2010
It’s been over a year since we’ve been exposed to regular television advertising. We decided when we got married that television wasn’t really something we should budget for, and skipped it altogether. Of course, we have a nice computer that we can occasionally watch shows on, but the advertising seems to be very minimal. We’re [...]
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by John
April 30, 2010
It’s the showdown. Which will win? Saving or spending? Every time we make a purchase, this decision-making process takes place. Should we save the money we have, or should we just go ahead and splurge? There are many variables that we have to take into account when analyzing how this decision is made. First, how [...]
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by John
April 28, 2010
Every time I’ve shopped online using my debit card, the fleeting thought popped up in the back of my mind that perhaps I should think twice. Should reconsider putting my sensitive debit card information on the internet? But then, I would quickly dismiss the notion because “identity theft would never happen to me.” Or could [...]
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by John
April 14, 2010
When you were a kid, did you ever have a lemonade stand on the side of the street? I remember having a lemonade stand. I had to go out and buy the lemonade, borrow some of my mom’s pitchers, and set up the playing card table. It was quite the operation! Then came the big [...]
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by John
April 3, 2010
As many of you know, I’m a tech geek. I love tech. I especially love Apple tech. So, I thought I’d have to do a review of the iPad. I know, I know, I said that I wouldn’t get one until we paid off all our non-mortgage debt and built our fully-funded emergency fund. Don’t worry! [...]
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by John
March 29, 2010
In the next few days, I believe that we’re going to have to raise our budgeted expenses. It’s been a year since we’ve been married, and we’re just now starting to experience the concept of inflation. We can’t buy groceries for what we did a year ago! Inflation in 2009 was mostly deflation, meaning that [...]
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by John
March 20, 2010
Yes. In moderation. There are specific circumstances where you will have to do this. This month we ran out of grocery money due to two reasons: we had the budget very low already and we wanted to plant veggies (used money from the grocery envelope) to produce a summer harvest. Therefore, we pulled some money [...]
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by John
March 18, 2010
I’ve been in the presence of many people making large purchase decisions. Ninety-nine times out of a hundred, the purchase is made the same day. But there are an elite few, just a few, that decide to wait a day. Sleeping on a major purchasing decision is often the best course of action. The temptation [...]
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by John
March 15, 2010
Okay, so you aren’t on a salary. Maybe you’re an hourly employee, self-employed, and/or commissioned to the point of a ridiculously irregular income. The word “budget” might have a particularly cruel ring to it if your cash-flow varies month to month. I know how difficult budgeting an irregular income can be. While our variances in [...]
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! John wrote two articles for the book: "Budgeting for Groceries" and "How Grocery Stores Work."
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