Budgets Aren’t Suppose to Work. You Are.

Ramit Sethi, a personal finance blogger I greatly admire and respect, recently bashed budgets again in a post entitled 7 Lies We Tell Ourselves About Money. In lie number 3, “I’m going to start keeping a budget,” Ramit correctly identifies why people don’t track their spending: It’s hard, It makes you uncomfortable, and It’s easier to [...]

A 3 Step Guide to Planning Flexible Spending Account (FSA) Contributions

I received the e-mail from my human resource manager last week. It’s open enrollment season! The company I work for provides employees one health insurance option. There isn’t much excitement there. But they pay 100% of the premiums, so I won’t complain about the lack of choice. What I nerdily look forward to is planning [...]