How do you budget when you have irregular income?

A friend wrote me this email wondering how I budget on an irregular income. I have some suggestions, but before I write them up on here, I wanted to throw the question out and see what people think. How do you budget for irregular income (e.g., if you're a student, consultant, etc)? How do you budget when you have ...

I hate secrets, but I have one

I hate it when personal-finance people say they have "5 SECRETS TO GETTING RICH!!!" and other crap like that. As I wrote before, I don't have any secrets about getting rich. But I do have one trick I've learned about getting great deals on big-ticket items like a car and an apartment. Now if you're looking for some shiny secret ...

If I were a bank, here’s how I’d deal with overdraft fees

Overdraft fees make me want to cover myself in bird seed and stand in front of a toucan cage while duct-taped to the ground. One overdraft fee at your neighborhood Wells Fargo zeroes out your interest for the entire year, and makes you hate your bank even more than you already do. Is that even possible? Anyway, here's an interesting ...

Oh my god — it will be a dramatic day of posts

I had a bunch of stuff I wanted to post today, but I just threw it out the window after I saw some new emails come in. Yesterday, I wrote about the guy who bought a car, got ripped off, and was embarrassed. Check out the comments on that post, which are excellent. Well, a lot has happened since then. ...

My Free Insider's Kit will show you how to earn more money

Guy gets ripped off, is embarrassed

Here's an email I got just now (names changed). I need a little help. Well actually a lot of help. My friend got suckered into a TERRIBLE car deal. I mean bad. I don't know all the details but I know he has a contract for 6 years on a $20,000 car with a APR of 17.something%, and ...

Food and personal finance are similar (part 2)

Earlier this month, I wrote how food and personal finance are similar. Now check out a few excerpts from yesterday's New York Times Magazine article on nutrition, which also has lots of parallels to money: Humans deciding what to eat without expert help — something they have been doing with notable success since coming down out of the trees — is seriously ...