#budgeting — Public Fediverse posts

The Millionaire Next Door (Millionaire Set)

"Wealth is what you accumulate, not what you spend"

Sale: $19.99 to $2.99

by William D. Danko
Rating: 4.3/5 (1,892 Reviews)

#budgeting #money #personalfinance #wealth #saving #frugality #consumerbehavior #books #booksky

The Millionaire Next Door (Mil...

Podcast Episode: Money, Time And Happiness

Spending and saving are two extremes that define how we use our money. On one side, compulsive buying creates closets full of unused clothes — frozen capital that generates nothing and leaves behind environmental damage through fast fashion waste.

On the other side, saving and investing unlock the power of compound interest, where time and consistency transform small monthly contributions into significant wealth.

The nineteenth‑century factory worker had no access to this tool; mutual aid was their only option. Today, the infrastructure exists: mutual funds with low minimums, automated savings apps, and tax‑advantaged accounts.

The real challenge is not whether compound interest works, but whether we start before we feel ready. In the end, the choice is between money trapped in fabric or money working for your future — and the lever you pull determines whether you optimize for time, money, or happiness.

Tu voto:

Envelope budgeting: planning ahead for known expenses by regularly putting money into pre-determined categories, or envelopes. This week I show how I’m doing that in plain text accounting, specifically, Beancount.

Medium (includes blog link) https://medium.com/@miscellaneplans/ptpl-206-plain-text-accounting-envelope-budgeting-in-beancount-8a5b49b3281b
Blog https://ellanew.com/2026/05/04/ptpl-206-beancount-envelope-budgeting
#plainTextAccounting #budgeting #plainText

Don't miss out on tomorrow's BetaCodex LIVE session, in which @soundslikeryan and I will talk about the latest #BetaCodex research on org #transformation and the #RelativeTargets approach. Learn how to get rid of #FixedTargets, #Budgeting, #planning, #costmanagement and bonus systems, for good. It's the promise of #BeyondBudgeting - fulfilled!

🍒 The online session: https://www.youtube.com/watch?v=XWkMCWKxchY

🍒 The research paper: https://betacodex.org/white-papers/paper/relative-targets-patterns-in-practice

#PersonalFinance #Investing #FinancialFreedom #RetirementPlanning #DebtFree #FrugalLiving #StockMarket #Crypto #RealEstate #FinancialLiteracy #WealthBuilding #Budgeting #SavingsGoals #EmergencyFund #DividendInvesting #TaxPlanning #Entrepreneurship #PassiveIncome #CreditScore #FinancialPlanning #FIREmovement #MillennialMoney #MoneyMindset #DebtRepayment #SideHustle #StudentLoans #MoneyManagement #FinancialGoals #RoboAdvisors #ETFs

In today's fast-paced world, social…

https://lumlux-art.com/top-financial-hashtags-harness-the-power-of-social-media-to-boost-your-financial-literacy/

Video: Budgeting Tools and Apps

To get out of debt, save for a specific goal, or just want to feel in control of your finances, there’s a #budgeting app to help you succeed. I look at #PocketSmith, #YNAB, and #MonarchMoney to replace #Mint. I offer #Quicken and #Excel as low-tech alternatives for a #budget #app. The #CanadianMoneyTalk channel concentrates on #Canadianinvesting and #personalfinance in Canada. Visit: www.canadianmoneytalk.caThe Advanced Investing: Stock…

http://canadianmoneytalk.ca/2023/12/10/video-budgeting-tools-and-apps/

Video: Budgeting Tools and Apps

To get out of debt, save for a specific goal, or just want to feel in control of your finances, there’s a #budgeting app to help you succeed. I look at #PocketSmith, #YNAB, and #MonarchMoney to replace #Mint. I offer #Quicken and #Excel as low-tech alternatives for a #budget #app. The #CanadianMoneyTalk channel concentrates on #Canadianinvesting and #personalfinance in Canada. Visit: www.canadianmoneytalk.caThe Advanced Investing: Stock…

http://canadianmoneytalk.ca/2023/12/10/video-budgeting-tools-and-apps/

"RelativeTargets" became an open source social technology in 2021. It is based on 20+ years of #BeyondBudgeting & #BetaCodex research, and on pioneering cases such as Handelsbanken, Toyota, dm & Buurtzorg.
Watch the intro session on #RelativeTargets with
@nielspflaeging here:
https://www.youtube.com/watch?v=kwJ6CYIi7aQ

#transformation #mbo #ork #okrs #nookrs #targets #performance #performancemanagement #targetsetting #notargetsetting #noplanning #planning #budgeting #incentives #newwork #transformation #agile #lean #scrum #teal

During yesterday's #BetaCodexLIVE session,
@rijon and @nielspflaeging discussed the foolishness of organizational planning and steering, in an episode entitled "You can't predict the future. Don't try." Watch it here: https://www.youtube.com/watch?v=md2hFGym8v8

#betacodex #noplanning #budgeting #beyondbudgeting #relativetargets #leadership #lean #agile #scrum #teal #newwork #handelsbanken #toyota #aldi #southwestairlines #semco #gore #dmdrogeriemarkt

Ready to relinquish the illusion of control, bonus systems, target negotiations, performance appraisal, budgeting, fixed allocations and other obnoxious performance management tools, fads and practices?

Then #RelativeTargets is for you. Best of all: It works.
https://www.youtube.com/watch?v=kwJ6CYIi7aQ

#performancemanagement #performance #betacodex #beyondbudgeting #lean #agile #okr #orks #nookrs #strategy #strategicplanning #planning #budgeting #noplanning #systemsthinking #newpay #newwork #cellstructuredesign

"Management by numerical goal is an attempt to manage without knowledge of what to do, and in fact is usually management by fear."
W. Edwards Deming

https://www.redforty2.com/product-page/what-would-deming-do
#relativetargets #okrs #okr #nookrs #strategy #planning #budgeting #noplanning #beyondbudgeting #performance #performancemanagement #deming #whatwoulddemingdo #lean #agile #betacodex #betacodexpress

Ready to get rid of #budgeting and annual planning?
Ready to get rid of fixed #targets, target negotiations and coercion?
Ready to get rid of obnoxious #performancemanagement systems?
Ready to get rid of nonsensical #reporting?
Ready to get rid of #incentives and bonus systems?
Ready to relinquish trampling on people's #motivation?
Ready to drive out desperation, learned helplessness and fear?

Then #RelativeTargets is for you. Best of all: It works
https://www.youtube.com/watch?v=kwJ6CYIi7aQ
#betacodex #noplanning #newpay #performance #agile #lean #scrum #teal #okrs #nookrs #nombo #noincentives #workthesystem #beyondbudgeting #agiletransformation

Ready to relinquish the illusion of control, bonus systems, target negotiations, performance appraisal, budgeting, fixed allocations and other obnoxious performance management tools, fads and practices?

Then #RelativeTargets is for you.
Best of all: It works.

https://www.youtube.com/watch?v=kwJ6CYIi7aQ

#performancemanagement #performance #betacodex #beyondbudgeting #lean #agile #scrum #okr #orks #nookrs #strategy #strategicplanning #planning #budgeting #noplanning #systemsthinking #newpay #newwork #futureofleadership #cellstructuredesign

Ready to get rid of #budgeting and annual planning?
Ready to get rid of fixed #targets and incentives?
Ready to get rid of obnoxious #performancemanagement systems?
Ready to get rid of nonsensical #reporting?
Ready to stop stifling people's motivation?

Then #RelativeTargets is for you.
https://www.youtube.com/watch?v=kwJ6CYIi7aQ
#betacodex #noplanning #nookrs #nombo #noincentives #workthesystem