The Trimurti of Household Budgeting

Intro: Personal finance types, myself included, often recommend making small lifestyle changes to save more money for retirement.  A prominent example is the latte effect, which holds that cutting out a daily cup of coffee can theoretically save 1,000’s of dollars (it can).  This kind of advice, however, really gets under some people’s skin. Take […]

How to succeed at budgets without really trying

While a few people in the personal finance blogosphere might truly believe that budgets are sexy, most people probably think of budgets as a pain in the ass, and I would tend to agree.  The thing is, however, if you have ambitious savings goals, you probably really need a budget to help you stay on […]