budgeting

Why I Track My Spending, Not Budget It

I’ve asked you before about how you manage your spending: do you budget it or track it? It’s a question that everyone can answer differently, but I’ve generally found that it falls along one path: if you’re starting out your financial journey, learning how to better manage your money and haven’t built the good habits […]

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The Balanced Budget: Every Penny Has a Purpose

When I first started tracking our spending, it was mostly to determine where our money was going. Although we had spending targets set for each category, we weren’t really sticking to the numbers — just aiming to be around them. While that system works for us, you may need something like the envelope system to […]

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