How to Budget

Got an itch for money? Scratch smarter, not harder

The itch you can’t ignore You’ve got a money itch. Despite your success, you can’t shake the feeling—you should have way more left in your bank at the end of the month. So you scratch it. You download another budgeting app. You create a color-coded spreadsheet that would make a CFO weep. 😢 This time, you’ll finally get it right....

Intuitive Spending — Get in control of your finances without budgeting

I want to introduce you to the intuitive spender… But before I do, I want you to meet the intuitive eater (she’s the intuitive spender’s cousin.) The intuitive eater The intuitive eater is someone who’s slender and is in good shape.  She’s able to maintain her physique because she eats when she’s feeling hungry and stops when she’s full. She...

Being cheap versus smart with money

Being cheap is to buy single-ply toilet paper just because it’s cheaper than double ply. Being smart with money, on the other hand, is to buy double ply toilet paper on sale — even though it’s more expensive than single ply. I’m not saying that all cheap people buy single ply — I’m sure plenty of them buy double ply....

The one 80/20 budgeting rule that’ll get you in control of your finances

Budgeting is 80% emotional and 20% numerical. In other words, 80% of your success with budgeting is based on your emotions, while only 20% is based on your numbers. Learning how to deal with fear, jealousy, and regret are the main components of budgeting you need to master. Sure, an app can crunch your numbers. But it can’t master your...

Is there a better way to deal with your finances?

Most of us keep our finances to ourselves. Kinda like holding a deck of cards to our chest. I get it — we’re afraid what people think about us. Maybe they’ll think we’re a failure. Or worse, maybe they’ll see that we’re a fake. So, as a result, we end up alone in fear of our finances (and interestingly, you...

3 steps to become a financial master

Does “taking control of your finances” sound impossible to you? Sure, you might be able to budget for a week or two, but after that, fuhgeddaboudit. C’mon, you’ll never stick to a budget. Right? Does that sound familiar? Listen carefully; you should know, it IS possible for you to master your money, once and for all. Lucky for you, I...

3 ways to save money — without cutting coupons

I’m not a coupon cutter — and probably will never be one. My wife, Yael, on the other hand, is the complete opposite. She always knows where to save 0.50¢ on English Cucumbers and a buck off a box of Cheerios. Yael is what I call a “micro-saver.” Don’t get me wrong; I think coupons and price matching are fantastic....

How to Budget When You Have ADHD

Quick Intro:  This article was co-written by June Silny (ADHD Coach) and me.  The story is hers, and the humour is mine.  Hope you enjoy ;). For most people, budgeting is tough. And having ADHD makes it even tougher. Believe me, I know all about it — I have ADHD, and in the past, a slew of financial problems.  I...

3 Reasons Why You SHOULDN’T Cut Up Your Credit Cards

For years I thought about cutting up my credit cards. In the past, I always had six months of unopened credit card bills piled up on my kitchen table — I couldn’t even look at them.  Chugging 6 cups of green juice seemed easier to stomach then opening those envelopes.  I’m glad those debt-ridden days are a thing of the...

4 Ways to Knock Out Debt

I wasn’t built be a professional wrestler.  Not like my high school buddy Anthony — aka “Santino Marella” — who become the WWE Intercontinental Champion.   He’s like a brick wall and I’m just a skinny guy with a big beard.  He bodyslams 300-pound men and I couldn’t hurt a fly.  But we have one thing in common:  We both...