Budgeting

I live paycheck to paycheck. There you go, I admit it. However, I am there intentionally. We all make choices in our lives that impact our financial situation. Sometimes those choices have the unintentional affect of making us live paycheck to paycheck. Others give themselves enough financial flexibility that they don’t worry about their bank account balance. I propose something completely different.

Budgeting, the exercise of personal finance, can make a big difference. Going from no budget to watching your expenses can save you a lot of money. However, as some financial bloggers point out, it is important to go for the big kills rather than a nickel here and a dime there. Cutting your rent, insurance, and cable/Internet bills can save big over the course of a year. Even more important, though, is income.

For Chanukah, I asked for and received a Roku. Roku is like a cable box for the internet. My box brings in unlimited Netflix streaming videos (20,000 available) and music from Pandora. It can be setup to do much more.