The Secrets Behind Successful Budgeting – The Simple Dollar

Budgets alone don’t solve all of your problems, just like training wheels alone don’t make you into an expert bicyclist. Instead, both training wheels and budgets teach you the basics and enable you to get started on your path. They can stick around for as long as you need them and you can easily remove them when you feel you’re ready to move forward on your own.

Budgets are not law. They are not a “leash” that you’re going to have to wear for the rest of your life. They are not a prison. They’re more like braces on your teeth.

Budgets are a tool to help you mold your normal behaviors into a set of more financially responsible behaviors, nothing more, nothing less. A budget succeeds when it becomes so transparent that you no longer actually need it, like a six year old who starts being able to fly along on her bicycle with both training wheels off the ground.

via The Secrets Behind Successful Budgeting – The Simple Dollar.

8 Free Privacy Programs Worth Your Year-End Donations | WIRED

So as the end of 2014 approaches, this might be the time to add a few free software security projects like the ones we’ve listed below to your annual tax-deductible donations. “There’s no way around it. If we want tools that are secure and usable, then these projects need funding,” says Trevor Timm, executive director of the Freedom of the Press Foundation, a non-profit that has run fundraising campaigns for encryption software. “They don’t have a business model. They’re not doing this to make money. Their first priority is the security of users.”

via 8 Free Privacy Programs Worth Your Year-End Donations | WIRED.

The Ultimate Guide to Cutting the Cable Cord – The Simple Dollar

“Trust me, life goes on without a television service. I rarely watch television at all these days. I fill my evenings with other things – taking classes, working on projects, spending time with my kids and with my wife, going to social events, and so on.

Your cable bill is certainly a bill you can do without if you’re willing to make that choice. The decision, as always, is up to you. Are you willing to make a choice that will save you both time and money?”

via The Ultimate Guide to Cutting the Cable Cord – The Simple Dollar.