Well, for me, the quest for smart money management is not only the search for security, it’s the journey to find balance. If I can fill my life with unforgettable, fulfilling experiences, I don’t think material goods will matter as much to me. Sometimes the search for the perfect pair of jeans, the latest make-up, […]

Living within your means suggests that you wait until you have the money before you buy something.  This gives you the benefit of avoiding interest charges.  It also gives you a waiting period during which you may well discover that you don’t want some of those things after all.  He who hesitates saves money.  The […]

To live within your means is to buy only what you can prudently afford, to avoid debt unless you have assurance that you will be able to pay it promptly, and always to have something put away for a rainy day.  It was quite a fashionable way to live one short generation ago, before we […]

Debt Warp holds that our whip-it-out credit card culture makes it so easy to buy stuff that people delude themselves into thinking they’re more affluent, better set for the future, than they are.  Debt Warp reshapes reality and turns age-old precepts about frugality upside down.  We are so accustomed to buying things we really don’t […]

Easy credit makes it easier to spend than to save, more pleasant to shop than to plan.  We throw money around.  We piss it away.  We treat ourselves to new shoes or a smart phone when we’re feeling blue.  The Wall Street Journal recently reported that since 1990, median household income has risen 11 percent, […]