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Have you ever noticed that some frugal habits don’t just save money…they actually make everyday life easier? I’ve been thinking about that a lot lately. When I was younger, I thought being frugal was mostly about stretching a paycheck. Like many young families, we had more dreams than dollars, so we clipped coupons, watched grocery sales, bought secondhand whenever we could, and looked for simple ways to make one income go a little further. Looking back now, […]
As much as I might not want to admit it, I’m a sucker for complicated tax technical issues. See my writings here and here. Recently an odd issue has come up: does income created by an in-plan Roth conversion count as modified adjusted gross income for purposes of determining eligibility to make an annual Roth […]
YNAB is one of the best-known budgeting apps for a reason. It gives every dollar a job, encourages you to plan ahead, and forces you to pay attention to where your money is going. However, it isn’t the right budgeting tool for everyone. The service costs $109 per year or $14.99 per month. Some people also find the system too hands-on, want better investment tracking, or simply prefer a free budgeting app. I reviewed the […]
I updated my monthly expenses tracker with June data, so now have the complete ‘actuals’ data for last FY. Turned out that the ‘budget’ I had drawn up in July 2025 (just after I was retrenched and entered retiremen, but before then deciding to seek a new career) was excessively optimistic. The major expense blow-outs were:* monthly groceries averaged $1,711 per month, a lot higher than I had
This post may contain affiliate links. If you make a purchase through one of them, I may earn a small commission at no additional cost to you. Please see my full disclosure policy for details. If you’ve been looking for a budgeting app to replace Mint or take your financial planning a little deeper, you’ve probably come across Monarch. It’s marketed as an all-in-one budgeting and financial planning tool, and for the most part, it […]