Bookmarks (11) clear filters

While shopping online, you may have noticed “buy now, pay later” purchase options that break up the cost of an item into interest-free installments. It’s sometimes called “digital layaway,” except that your item is shipped to you right away—what’s not to like? Well, these loans can make shopping a little too easy, and…Read more...

The coronavirus has gifted us many tragedies and inconveniences both large and small this year, and among the latest is one that most of us probably wouldn’t have predicted a few months ago—a nationwide coin shortage.Read more...

So far, we’ve reviewed setups for two budgeting methods that focus on broad categories and modifying your allocations to each: The 50/20/30 budget and the 60/40 budget.Read more...

One of the challenges of budgeting is that if you get too granular while you’re still trying to wrap your head around your financial obligations, you’re likely to throw your hands up almost immediately and decide it’s just too hard. Read more...

There are lots of different budgeting methods you can try to determine the best way to manage your money. But while budgeting guides might mention those methods or provide broad categories on which to focus, they don’t always make it easy to see how your budget will actually look.Read more...

Did January feel like the longest month ever? Well get excited, because we’re about to turn the calendar page and enter a new month (and slightly shorter one, to boot). But before we move on from our long and drawn-out kickoff to 2020, we need to check in on everyone’s no-spend challenge.Read more...

If your expenses and your income don’t match up, you have two options: cut back on your spending, or figure out a way to earn more money.Read more...

At the start of this month that is so laser-focused on positive change, we put even more pressure on by encouraging you to join us for a no-spend challenge. That’s no spending outside your planned, recurring expenses for an entire 31 days.Read more...

As we brace ourselves to kick off the new year, let’s do a no-spend challenge this January. If you’ve been reading Two Cents for a while, you might be thinking, “Lady, we did this last year. Catch up.” I know! That’s why I want to do it all over again.Read more...

Earlier this week, I ran a report on all of my 2019 spending to date, divided by category. While I’m sure I’ll have a few more expenses before the year ends, I was still able to get a fairly accurate picture of where my money has gone this year—and whether I allocated my money in accordance with my values.Read more...

When I wrote about my success tracking my expenses by hand, a reader said I might want to try the kakeibo method. “Oh no,” I feared, “A more complicated method of what I’m already doing.”Read more...