Monthly archive: September 2011

To many people budget is a bad word. But if you learn how to start a budget and see how it can work it will make managing your money easier. I spoke to a group of college students today on budgeting, spending and other topics. One example I mentioned is from Dave Ramsey. If you [...]

Many people think I disapprove of spending money on anything. I like to relate budgeting and spending to dieting. Just as with dieting you need to consider your calorie intake and amount of exercise you get. With budgeting you need to consider your income and the fixed expenses you have. Once you deduct your fixed [...]