I use the term lazy only for headline punch. You are all very hard-working individuals. :)
No, actually it’s because of this article: “Budgeting for Lazy People” written by Dayana Yochim over at the Fool.
Here are some tips if you’re just feeling lazy about YNAB (either starting or continuing).
Use Fewer Categories
I am on a quest [...]

Welcome to the 163rd Carnival of Personal Finance! This week’s theme is “Benjamin Franklin’s Quotable Quotes”.
You Need A Budget (YNAB) is thrilled to be hosting this week’s carnival. Since 2004, this site has been dedicated to getting the world on a budget, one person at a time — but I truly love all [...]

While I didn’t have a whole lot of good things to say about Fixed and Equity Indexed Annuities, I do have a few more positive things to say about Variable Annuities. I actually see some real benefits to some of the Variable Annuity products out there, and have found them to be the best choice [...]

I’m tired of it. Sick about it. Through with it. Finished. Fertig. Done.
I can’t stand knowing exactly what my money is doing at all times. It’s so obedient! My money just sits there, looking up at me like some dependent, too-young-too-realize-how-things-work puppy just out of obedience school waiting for me to [...]

There are a lot of annuity salesmen out there that are not going to like what I have to say about these types of annuities. There are many strong arguments (sales pitches) in favor of them. And, I am willing to admit and accept the fact that my opinion is just that, my opinion. I [...]

There are three kinds of annuities: Fixed, Equity Indexed and Variable. The next three parts of this article will address each one. I will explain how each works, what the pros and cons are, and my overall opinion of the type of annuity and when it might be appropriate.
Fixed Annuities
A fixed annuity is the insurance [...]

Sometimes it’s hard to own up to reality and we’d rather just pretend things are fine. They’re not. They’re bad. Money is tight. We’re spending more than we make. Debt is climbing. Retirement contributions have come to a standstill.
You basically have two choices: 1) continue doing what you’ve been doing [...]

There are few people who haven’t at least heard the word annuity. But I think that there are few people who actually understand what an annuity is. I think it is important to understand what an annuity is because there is a very large effort in our country to get people to invest their money [...]

In thinking about becoming the boss of your money, the subject of charitable giving just doesn’t go away. I was reminded of an article I read in BYU’s Marriott School Magazine last year that made me look at giving in an entirely different way.
This post is the first in a series regarding charitable giving. [...]

A year or two ago I received a phone call from a couple that I know, but that were not clients. The wife was on the phone and told me that they were about to sign refinance papers on their house the next day but were having reservations. They wanted to get my opinion on what [...]