Spend less than the maximum allowed on housing and transportation if you want to accomplish more than just making the minimum payment.
Find out how Conscious Spending removes guilt from buying the things that bring you joy, while simultaneously achieving your financial goals.
When your income falls focus on three areas: 1) Maximize all income sources; 2) Minimize expenses to protect the four necessities; and, 3) Pile up as much savings as possible.
Every year you should fully comprehend your income, separate recurring expenses from personal spending, and decide how much positive cash flow you want.
Learn how to use three areas in your undetailed budget to find opportunities to increase savings: Income, Recurring Expenses, and Personal Expenses.
If you are going to spend 5 months paying off your Christmas spending, it is better to do it before Christmas instead of after.
Find out how planning for Budget Cheat Days can combat the Abstinence-Violation Effect and Failure Cascades that sabotage your long-term financial health.
Without positive cash flow, it is impossible to build wealth.