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A budget where every dollar is perfectly allocated is stifling and counter-productive. Instead, set aside ‘blow money’ — money you can spend on whatever you want, that you don’t have to track. Blow money is the productive mess necessary in personal finance, it’s a release valve that lets you vent a little steam.
Without [...]

The New York Times, using data form the Bureau of Labor Statistics, has created the budget of the Average American. You can click around and see, on average, what your neighbors are spending their money on. Most interesting, the budget is color-coded so you can easily see how inflation has affected the various [...]

Jonathan Clements was a columnist at the Wall Street Journal who’s been writing columns on personal finance since 1994. This April he wrote his last article called ‘What I learned from writing 1,008 columns’ giving his opinion on why you should bother with saving and investing. Here are his reasons:

If you have money, [...]

Recently, I tied the knot with a beautiful, geeky woman.
So, the question arises: how should we manage our financial lives together? Do we merge our accounts or do we keep them separate? Here are the reasons we see for each.
Reasons to Merge Finances:

Simpler record keeping
Forces us to make decisions together

Reasons to Keep Separate:

Maintain [...]

This American Life recently did a show on the subprime mortgage crisis. I’ve listened to lots of shows on the impending credit crisis, but none have explained the situation with such simplicity and gentle humor as TAL.
[Click here for ‘The Giant Pool of Money’ by This American Life]
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Header photograph by Thom C
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To see future [...]

David Bach, in The Automatic Millionaire warns us of the Latte Factor: how small, daily costs add up to big expenses. Whenever the Latte Factor is mentioned, shocking numbers always follow: for example, if you don’t by a $4 cup of coffee daily and instead invest the money, after thirty years you will have [...]

Another personal finance blogger has conducted an interview with a burglar to find out where the best places to hide your valuables are. From the interview:
I had quite the interesting conversation this weekend with a person who happened to be a former burglar. It was great timing because I was wondering if something like [...]

The Automatic Millionaire by Dave Bach is a little book with one big idea: you are too lazy to budget. Instead of planning a budget, you should automatically deduct savings and retirement from your paycheck. According to The Automatic Millionaire, this is the most fool-proof way to build wealth, and you’ll live [...]