Eating Elephants

This post was originally meant to be a five-part outline of rules for avoiding budget burnout. I sat on it for weeks without progress, trying to be witty and cool enough to bring attention to the blog. After weeks of mounting internal pressure, I considered shuttering the entire Beard and Budget concept. I want to …

Guest Post: Clarity Money – Champion Of Your Money [Review]

This article was originally written and published by my friend and fellow budget-enthusiast GrokkingMoney. Please share your thoughts and make sure you pass clicks his way. God bless. BeardandBudget https://grokkingmoney.com/2018/12/16/clarity-money-champion-of-your-money-review/

Your Time Also Needs a Budget, and You Can’t Spend It All on Yourself

Beard and Budget readers have seen my efforts to get the blog off the ground. It's been a mostly positive climb aside from the two weeks at the start of 2019 where nothing was posted, and I'm proud of the work I've put into the material. Emily says I have "strong reactions" to things - …

The Importance of Motivation

We've all been there. The excitement and adrenaline of a new adventure pumping through our veins. Hours spent researching new ideas, perhaps purchasing new items. Throwing heart and sweat at a new mountain to climb. And then two weeks later it's forgotten as the newest member of the "cool idea but no longer interested" pile …

How We Plan Next Month’s Budget a Month Early

As noted in a previous post (The Problem with Monthly Budgeting), we handle our "monthly" budgeting based on which paycheck pays the mortgage at the start of each month, not calendar dates. In order to track and regulate our spending, it's necessary to plan our budget out a month in advance so we can anticipate …

Recapping 2018: How Budgeting Impacted Our Debt Payoff Over the Course of a Year

Let's get straight to it. We're debt free. We paid off a total of $38,452 (rounded up to the nearest whole dollar) during calendar year 2018. Our debt snowball payments were split as shown below (rounded up to the next dollar and listed numerically largest to smallest). NelNet Student Loans (amount due as of 01/01/18) …