Are You Frugal or Stingy?

Are you frugal or are you stingy?   Frugal - sparing or economical with regard to money or food. Stingy -unwilling to give or spend; ungenerous.   When you read these definitions, where you do you feel you fit?  Are you making prudent, economical decisions about your spending and generosity?  Or, are you holding on to …

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How to Budget Series: Part 5 – Pulling it all Together

Now that we've completed the Budgeting Series, let’s pull it all together on what we have worked hard to achieve.  By this time we all have a good start on our monthly outflow, income, priorities for extra income, and how it all works together given your cash flow.  You now have the foundation built and …

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How to Budget Series: Part 4 – Cash Flow

By now you have the bulk of your budget figured out, it’s all coming together.  However, it likely feels like you don’t really know where money is going and when.  That is normal at this point. We are now going to put it all together from a cash flow perspective, which is when we determine …

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