Business owners need to understand how their business uses cash and how to spend the cash that comes in effectively. The best way to do that is through a budget.

Make your budget work for your real lifestyle—not the one on spreadsheets Vikki Velasquez is a researcher and writer who has managed, coordinated, and directed various community and nonprofit ...

Creating a monthly budget can feel like herding cats—things go in every direction, and somehow your money disappears before the month ends. But with the right approach (and a solid spreadsheet), you ...

Fixed expenses (rent, insurance) remain constant monthly, while variable expenses (groceries, utilities) fluctuate. The 50/30/20 rule allocates 50% for needs, 30% for wants and 20% for savings and ...

You try to spend your money intentionally. You meal prep on Sundays. You resist the latest iPhone upgrades. And then — bam! — a random $9.99 charge hits your ...