Budgeting for the Rest of Us

I don't budget. Do you? For those of us in the middle, here's a great shortcut method to budgeting: Budgeting for Lazy People.

Here's the even shorter story: Earn more than you spend.

Falling short every month? Get a better-paying job or work on alternative income streams. Here are some posts from Moolanomy about creating income streams.

Remember, you can only cut out so much. Once you've canned cable, stopped eating out, and dropped the cell phone plan and switched to Vonage, what's left: Health insurance, 401k contributions, and food. None of these are good options to cut.