Budgeting Basics | Kulam b’Minus – But Is it Really Beseder? {Guest Post}

Today's guest post comes from one of KOAB's Israeli readers, Rifka Lebowitz. Whether you live in Israel or North America, I think Rifka's post gives all us food for thought. It’s no secret that reckless attitudes can have tragic consequences. … [Read more...]

Open a Checking Account – Get $50 Bonus


Last month, I mentioned my love for Capital One 360. We keep all our sink funds in Capital One savings, and our virtual grocery cash envelope is in a Capital One 360 checking account. If you have been thinking about opening an account at Capital … [Read more...]

Budgeting Basics | Our Budget Categories

You asked. I'm answering. In the interest of maintaining a modicum of privacy, I am not disclosing the actual dollar amount we spend, rather the percentage that each category represents of our overall spending. Please do not deem this post as … [Read more...]

Budgeting Basics | Our 2012 Budget – What Changes We’re Making & Why

This morning, I sat down to fine tune our January budget in Excel. (Even though I love Mint, I plan out our budgets in Excel every  month, and then transfer those totals over to Mint as necessary. I use Mint primarily for tracking, and Excel for … [Read more...]

Budgeting Basics | Face Your Debt Demons

Earlier this week, I talked about the "budget leaks" we have been experiencing in our budget this year. And I encouraged you to take a look at your budgets and find your own leaks. "That's all well and good," a reader named Rachel (not her real … [Read more...]

Budgeting Basics | Confession Time: I’ve got leaks in my budget.

If you're anything like me, the end of the year means a rather frantic rush to get organized. I'm decluttering, selling stuff like a madwoman on Craigslist, giving mountains of stuff away (tax deduction!), clearing off my desk, and making lists. I … [Read more...]

How to Use Sink Funds to Save Money

How to Use Sink Funds to Save Money

I've talked before about what a sink fund is - and how it helps to stretch our budget. Today I want to explain specifically how, where and why we keep our sink funds for maximum money-saving. When I started to investigate where to "keep" our sink … [Read more...]

Budgeting Basics | PerkStreet Cash-Back Debit Card {Virtual Cash Envelopes + $25 Bonus}

Perk Street Financial

Last week I told you how we use our Capital One 360 Checking Account for a virtual grocery budget cash envelope. Well, here's one more option I came across: PerkStreet Financial. I actually learned about PerkStreet from Dave Ramsey, who is a … [Read more...]

Budgeting Basics | When Cash Envelopes Don’t Work ~ Open a Checking Account (& Get $50 Bonus)


When my husband and I got serious about saving money, one of the most important things we had to do was figure out how exactly much money we were spending in the first place. You can't spend less, unless you know how much you're … [Read more...]

Time to Update Your Price Books!

When I teach my Kosher on a Budget couponing class, I always stress the importance of keeping a price book. The more you know, the more you save. My favorite example is Newman's Own pasta sauce. At Walmart - where I'd assume the price would … [Read more...]