Clever Girl Finance

JULY 3, 2023

Love it or hate it, if you want to be financially successful, you need to budget your money and understand budget categories. Getting your finances in order and building wealth takes planning, and your budget can help you do just that. Determine which budgeting methods will work for you 2. Table of contents 1.

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Dear Mr. Market

DECEMBER 31, 2024

Create or Refresh Your Budget Think of your budget as the foundation of your financial house. Review Investment Allocations Markets evolve, and so should your portfolio. Remember: investing isnt about timing the market, its about time in the market. Heres your top 10 financial planning checklist for the new year.

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Nerd's Eye View

DECEMBER 6, 2023

And because many service offerings have traditionally focused on areas like investments and securities recommendations, there has been little debate about the need to register as an advisor. Thus, Advice, Business, Compensation, and Securities (ABCS) are the key elements in this definition.

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Dear Mr. Market

AUGUST 23, 2024

Dear Mr. Market: Budgeting apps play a vital role in helping us keep track of our spending, save for future goals, and maintain control over our financial health. Today, we dive into six promising alternatives: YNAB (You Need A Budget), PocketGuard, EveryDollar, Goodbudget, Honeydue, and NerdWallet.

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Abnormal Returns

MARCH 14, 2025

(fasterplease.substack.com) Policy Stephen Dubner talks tax myths with Jessica Riedl, a senior fellow in budget, tax, and economic policy at the Manhattan Institute. freakonomics.com) Laurence Kotlikoff talks with Prof. Richard Berner about the evisceration of financial oversight.

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Clever Girl Finance

FEBRUARY 28, 2023

Maybe you overspent on a housing project or didn’t account for a last-minute expense, but your budget got blown again. Thus, a paper and pen option like a budget binder could be the tool to unlock your financial success. What is a budget binder? A budget binder is a visible way to use a zero-based budgeting system.

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MainStreet Financial Planning

JANUARY 10, 2025

Create a Realistic Budget A budget is telling your money where to go instead of wondering where it went, says leadership coach and author, John Maxwell. Start by evaluating your income and monthly expenses, then allocate funds toward your savings, investments, and debt repayment goals. But remember, flexibility is key.

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Clever Girl Finance

NOVEMBER 4, 2023

Love it or hate it, if you want to be financially successful, you need to budget your money and success with budgeting means understanding budget categories. So, let’s talk about the various categories that you might need, including a budget categories list! How many categories should I have for a budget?

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Clever Girl Finance

AUGUST 21, 2024

Setting a budget might sound about as fun as doing your taxes, but trust me, it doesn’t have to be a drag! Whether you’re just starting out or need a little refresher, let’s break down the key factors you should consider when setting a budget! Adjust as your budget as needed 7. What are necessities in a budget?

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Clever Girl Finance

JULY 13, 2024

The 60/30/10 budget turns the traditional rules of budgeting upside down. Instead of focusing on discretionary spending, this budgeting rule emphasizes sprinting toward our financial goals. And although the 60/30/10 rule budget won’t work for everyone, many could use it to take their finances to the next level.

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Clever Girl Finance

DECEMBER 16, 2023

If you don’t feel like you truly have a strong handle on your finances, one possible cause for that is using a budgeting method that doesn’t work. While not everyone needs a to-the-penny balanced budget, some type of budgeting strategy or template is really important if you want to know where your money is going month after month.

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Calculated Risk

SEPTEMBER 8, 2023

Next week, August CPI, retail sales, PPI, import and export prices, industrial production and monthly budget statement will affect our GDP tracking [Sept 8th estimate] emphasis added From Goldman: July goods exports were stronger than our previous assumption, and we boosted our Q3 GDP tracking estimate by 0.2pp to +3.1% (qoq ar).

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Clever Girl Finance

SEPTEMBER 5, 2024

But once I discovered the magic of budget templates, everything changed. Table of contents What is a budget template? The Best budget templates: Spreadsheets The Best budget templates: Apps Expert Tip: Find a budget template that works for you What are some key features to look for in a budget template?

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The Big Picture

MARCH 10, 2025

David Nadig, “ Rabbithole ” March 7, 2025 I had fun chatting with Dave Nadig about philosophy, behavior, and investing ( video after the jump). Question : “ Barry, your book How Not to Invest dissects numerous financial misconceptions. But let’s set aside markets and investing strategies entirely.

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Trade Brains

JUNE 26, 2025

lakh crore in FY24, marking a 174% rise since FY15, driven by the Make in India initiative and a massive 169 percent jump in defence budget spending to Rs 6.81 As NATO nations increase purchasing budgets, new export opportunities will arise for companies like Sika Interplant, Data Patterns, Zen Technologies, and others.

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Clever Girl Finance

SEPTEMBER 11, 2023

Like many, you might shudder at the word budget, or perhaps it sounds too boring or challenging to figure out. But the 50-30-20 rule and the 50 30 20 budget template prove it doesn’t have to be difficult. If you’re looking to simplify your budgeting process or are new to budgeting, then this might be the perfect match!

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Clever Girl Finance

OCTOBER 9, 2023

Whether you’re working for yourself or have an irregular job schedule, budgeting on an irregular income can be tough. But creating a budget for this type of income is easy to learn! Table of contents Budgeting when you have an irregular income 1. Create your baseline budget 2. Can you budget with an irregular income?

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MainStreet Financial Planning

NOVEMBER 9, 2023

With the recent news of Mint shutting down, we wanted to share a few helpful alternatives for budgeting tools to help you stay on track with accomplishing your goals! YNAB – YNAB stands for “You Need a Budget” and it is one that I have personally used and recommend to friends and clients. month or if you pay all at one time it is $99.99/year

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Clever Girl Finance

AUGUST 10, 2023

Budgeting is one of the most important financial habits to develop. There are so many budgeting methods out there to choose from, but it’s not just creating a budget that will set you up for financial success. How do I plan for variable vs fixed expenses in my budget? What are average expenses for a household?

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Clever Girl Finance

SEPTEMBER 7, 2023

In personal finance, where income, expenses, dreams, and aspirations converge, the budget emerges as a crucial tool. And when you have a family, creating a family budget becomes even more important. Table of contents What is a family budget? How does a typical family budget look? What is the average family monthly budget?

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Abnormal Returns

AUGUST 17, 2022

hiddenforces.io) Investing On the emotional advantage of caring less about your investments. vox.com) Why budgets don't work. Podcasts Christine Benz and Jeff Ptak talk with Joe Saul-Sehy co-author of a new book "Stacked: Your Super-Serious Guide to Modern Money Management." morningstar.com) How BNPL gets you to spend more.

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Clever Girl Finance

JUNE 22, 2025

What changed the game for me wasn’t just budgeting harder or cutting out all my fun—it was being intentional with how I handled my paycheck the moment it hit my account. Tune up your budget 5. How often should I update my budget? Then pay yourself first by transferring money into savings or investments automatically.

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Clever Girl Finance

JANUARY 22, 2024

If you’re really struggling financially and aren’t sure which problem to tackle or how, budget counseling can help. Table of contents What is budget counseling? Does budget counseling affect your credit score? Articles related to counseling and budgeting Consider budget counseling to get your finances in order!

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Abnormal Returns

MARCH 7, 2024

vanityfair.com) Travel Budget airlines are increasingly stiff competition for trains in Europe. construction-physics.com) Longreads Norges Bank Investment Management wants the ability to invest in private equity. (theatlantic.com) How AI could disrupt Hollywood. on.ft.com) Air travel is cheap. Airports are expensive.

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Alpha Architect

JULY 19, 2024

In order to properly budget for beta risks, it is critical that investors in private assets understand the amount of systemic (beta) risk that will “wash” into their private portfolios. The Impact of Amortizing Volatility across Private Investments was originally published at Alpha Architect.

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Abnormal Returns

NOVEMBER 29, 2023

humbledollar.com) Investing When you invest is more important than how. wsj.com) What is the difference between traditional and reverse budgeting? (theretirementmanifesto.com) Retirement planning is difficult because there are so many things decisions to make. humbledollar.com) No one cares more about your retirement than you.

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Abnormal Returns

JUNE 9, 2024

(humbledollar.com) Russia An increasing portion of Russia's budget is dedicated to fighting Ukraine. wsj.com) Investing in ports has positive spillover economic effects. wsj.com) Investing in ports has positive spillover economic effects. wsj.com) A plan to invest and accelerate agricultural productivity.

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Abnormal Returns

MARCH 8, 2023

ritholtz.com) Peter Lazaroff on how a 'negative budget' works. rationalreminder.libsyn.com) Housing Your house is a terrible investment. tonyisola.com) Investing What you don't invest in is as important as you do. humbledollar.com) Why Ben Graham stepped away from investing.

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Abnormal Returns

AUGUST 3, 2022

okdork.com) Michael and Ben answer reader questions including the best investment accounts for your kids. obliviousinvestor.com) Why you don't likely need a budget in retirement. wealthmanagement.com) Investing The case for Series I savings bonds. whitecoatinvestor.com) Teacher retirement investing options are still really bad.

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Nerd's Eye View

MAY 19, 2025

The available education budget is also an important consideration. A strategic investment in external training can help new advisors build up their technical ability, client meeting skills, and overall confidence as they continue to enhance the quality of the financial advice they deliver throughout their careers!

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Abnormal Returns

SEPTEMBER 5, 2023

wsj.com) High real yields are hurting the Federal budget deficit. awealthofcommonsense.com) On the mismatch between our investment horizons and our actual behavior. (mrzepczynski.blogspot.com) Utility stocks are battling higher fixed income yields. axios.com) Strategy Dollar-cost averaging makes downturns less painful.

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Abnormal Returns

OCTOBER 29, 2023

awealthofcommonsense.com) 11 lessons learned about investing including 'You are not the next Warren Buffett.' thestreet.com) Song royalties Was the music investing boom a ZIRP phenomenon? tker.co) The AI investing boom is going to break a lot of hearts. sacra.com) Federal debt How worried should you be about the budget deficit?

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The Big Picture

NOVEMBER 25, 2022

My end-of-week morning train WFH reads: • The Best 50-Year-Old Investing Advice Money Can Buy : Nearly 50 years ago, the economist Burton Malkiel came out with a book that said, in effect, that all of us should be in index funds. That will cause a drop in property taxes and strain city budgets. New York Times ). • Businessweek ).

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Nerd's Eye View

DECEMBER 13, 2024

Also in industry news this week: While the SEC has had the power to restrict mandatory arbitration clauses in RIA client agreements for more than a decade, an advisory committee meeting this week suggests support for such a measure isn't unanimous CFP Board saw a record number of exam-takers during 2024, reflecting recognition of the professional and (..)

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Clever Girl Finance

JANUARY 10, 2025

They represent your “why” when it comes to financial decisions why you save, spend, invest, or give the way you do. Your money values influence the decisions you make about budgeting, saving, investing, and even giving. If you value integrity, shift your portfolio toward ethical investments.

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MainStreet Financial Planning

MARCH 12, 2025

This ensures you wont need to sell investments when markets are down, protecting your long-term financial plan and providing peace of mind during turbulent times. Reevaluate Your Asset Allocation If watching your investment portfolio fluctuate causes anxiety, your current allocation might be too aggressive.

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Nerd's Eye View

OCTOBER 16, 2023

Consumers have a wide range of options when it comes to choosing a provider of financial advice, from larger wirehouses and asset managers to smaller Registered Investment Advisers (RIAs).

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