Money Management: Budgets are Sexy

by Jason Unger

It’s time to start week 5 of Money Management by Personal Finance Bloggers! Today, we’re speaking with J. Money, who runs Budgets are $exy.

Previous interviews: Blunt Money, Mighty Bargain Hunter, Financial Freak Show, PT Money, Moolanomy, No Debt Plan, ToughMoneyLove and Gen X Finance.

How do you spend: cash, debit or credit?
As much as I can on credit card baby! I find it an excellent budgeting tool as long as you pay it off in full every month (which I do). I spend roughly the same every month, so I might as well eek those cash rewards while I’m doing it.

Do you bank online? How about use a financial aggregator (Mint, Wesabe, Yodlee, etc.)?
I bank online at aka the best bank e-v-e-r. Since most of my 10+ accounts are there, I find a trusty excel spreadsheet & google doc is the only other thing I need to manage it all and stay on budget.

What recurring bills do you have set on autopay?
Oddly enough, only a few things: Comcast, condo fee, and insurance. My income gets staggered so I like to manually pay the rest to make sure all is on point.

How are your finances automated?
Currently, they’re not as automated as I’d like. I deposit my paychecks, xfer out the money to the right accounts, and then manually pay a chunk of the bills asap to make sure I don’t forget.

Do you write checks? If so, how often?
Checks? What are those? 🙂 They only get the pleasure of my bad handwriting when it’s time to give a wedding present to somebody. All other times they stay in my drawer sobbing, knowing the end is near.

Where do you stash your short-term savings?
In a regular ol’ savings account. I like the freedom to xfer out at a moment’s notice, and having your accounts in one spot makes it even easier to manage it all.

Want to find out more about J. Money? Check him out at, follow him on Twitter @budgetsaresexy and subscribe to his RSS feed.

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