good point. In my experience, there are times where you strategically need to work extra hours to succeed. Whether it's a product that you need to sell while the market is hot, software patches to fix services that you provide your customer, a high volume part of the month like end of the month/ quarter sales to get…

I think that this sums things up nicely :)

I'm in a position where I'm paid hourly and there is always tons of requests for my services from different departments in the company. I'm always having to decide who's request is the most important from a business impact perspective and who will have to wait in line until I get to them. Occasionally we getting board…

PMI can be bypassed if you use a VA loan, I though it was worth mentioning. I'd put down at least 10% though, to keep the interest down. Also, I subscribe to getting a 30yr mortgage and paying it like a 15yr. that way, if your income decreases or even disappears, you have more wiggle room . The minus is that the…

I've never found a useful accessory outside of a case, and even those get in the way on occasion.

that strategy is working for me, I give every dollar a job and spend that money pay charging it to a credit card and then paying the credit card with the money I set aside for that purchase . The advantage of paying by credit card rather than cash is the rewards and purchase protections you get, heck, most cards give…

that $4 coffee helps me tunnel through work much faster than I would otherwise, impressing everyone I work with, leading to positive recommendations, and eventually a promotion . I've almost doubled my income in the last 2 years with my drive to perform and more than a little help from $4 coffee's.

I agree . This is really bad advice and teaches you nothing about how to invest. Bonds drop the same way that stocks do. Remember when bonds easily returned 12% or more? Now they don't even keep up with inflation and don't preserve value.

another vote for Evernote.

I'm on call 24/7 so my phone is always with me. I use both my phone and a traditional alarm clock to wake up as both have failed me by themselves in the paste. At night I put my phone into do not disturb mode but let calls come through as my friends never call me, we alway text or Facebook message each other.…

pretty much all of my hundreds of tasks meet all 10 criteria, so they are all equal priority and cannot all be done at once. Truth is, you cannot always do everything by it's due date, so you delay tasks with the smallest impact.

The answer is that you need balance. live for now, be prepared for the unknown( emergency and unemployment fund), and be prepared for the future ( short term saving for house, car purchase , long term savings for retirement) .

I used to had a budget category called fun money that I could spend on movies or whatever , but I found myself not using it. The money just stacked up there as I've gotten into the habit of planning all of my spending ahead of time .

Truth is , everyone has a different goal for their retirement date and cost of living, has a different amount of money saved up , and has a different amount of income. There isn't a set percentage or monthly dollar amount that fulfills everyone's retirement goals.

until a product is finished and established with a good track record, I won't consider it a contender. This is your money after all, not something to take risks with.

The YNAB is a tool to make it easier to implement the ynab philosophy. If you are using downloaded bank transactions to manage your money, you're doing it wrong. Bank statements tell you where you money went, you need to tell your money where to go before you spend it if you want control. By the time the transaction…

Assuming your retirement saving goal is a fixed amount , and your retirement date is a fixed date, and you income varies, how does a fixed percent make sense? If I need to save that same 'X' dollars every month to reach my goal, the percentage that 'X' will change every time my monthly pay changes.

I look around for any hotties in the area and flirt with them.

same. If I'm out doing errands alone, I bring my bt headphones with me and listen to podcasts or music.

The Article confuses budgeting and strategy. Budgeting is the method used to control the flow of your money so that your goals are met. strategy is those goals. Spending 25% of your income for housing is strategy/goal not budgeting.