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27
votes
8answers
5k views

What are some creative ways to run up my credit card bill without any cost to me?

I got a new credit card with a very large signup bonus - as long as a minimum amount is spent on the card in the first 3 months. I usually don't go for things like this but in this case the bonus is ...
2
votes
3answers
1k views

“Inflation actually causes people not to spend”… could it be true?

Oasis Jnr claims that if inflation is high, consumers do not spend, because the high prices does not attract them: ...if inflation occurs then prices rise which will affect consumer spending ...
1
vote
2answers
151 views

Considerations for taking a sizable break from working

The Proposition From time to time, my wife and I consider the "foolish" idea of leaving our jobs (and, likely, careers) and taking a sizable chunk of time off from working, or at least working in the ...
0
votes
1answer
136 views

When are checks are preferred over cash, and when cash is preferred over checks?

Checks are not guaranteed to be cashed, as the payer's account may not have enough money at the time of cashing, and the payer may not know when the payee is going to cash the check. When that happen, ...
1
vote
3answers
588 views

How to budget or gain control of daily spending if suffering from OCD (Obsessive-Compulsive Disorder)?

I want to get better at saving money as I am a spendthrift. I am not always able to control myself since I suffer from Obsessive Compulsive Disorder (OCD). I am not able to spend money wisely since ...
5
votes
5answers
373 views

What should my finances look like at 18?

So, I'm 18, making 50k+ a year. Living at home for now, and thankfully that's not costing me anything. Not going back to school next year, and I have no loans to pay off. Right now, I kinda suck at ...
23
votes
11answers
1k views

I'm only spending roughly half of what I earn; should I spend more?

around 6 months ago I started this job. Around 3 months ago while reading this very website I downloaded a budgeting software and started writing down everything I earned and spent, and I noticed I'm ...
5
votes
4answers
276 views

How can I spend less?

I was raised in a lower class family, and we never really had money for anything we wanted. Now, years later, I have a job and I feel like I can't stop spending. I see myself buying useless things and ...
2
votes
2answers
5k views

Can you recommend good Excel spreadsheet templates for tracking spending?

I did use Microsoft Money to track my spending couple of years ago, then I switched to paper and pen and then switch to online money sites such as Wesabe, but none of them really worked out. The ...
10
votes
9answers
266 views

How can I avoid going deep into debt during the holiday season?

The holiday season is just around the corner. The shopping malls are especially eager – Christmas trees, lights, and decorations have been up for weeks, all to get us in the mood to spend, ...
10
votes
3answers
632 views

Where can I find an example of a really basic family budget?

It's about time that I took my family's finances seriously and built a budget. I'd rather not start from scratch, and am thinking, "surely, I can benefit from someone else's work?" - can someone ...