Budgeting
The holiday budget that starts in January
Holiday spending breaks December because it is twelve months of expenses arriving at once — a January-started fund spreads it to $60 a month and the drama to…
Author
Jacob Hoffman
Jacob Hoffman approaches crypto and new financial technology with curiosity, but starts with the question most people skip: what could go wrong? He writes on execution and leverage, drawdowns and concentration, and budgets built for months that arrive short.
Articles by Jacob Hoffman
Budgeting
What the average US household spends each month, and how to use it in your budget
Federal spending data gives you a real benchmark for your own budget. Here's how to read the numbers and adapt them to your situation.
Budgeting
How to budget when you live paycheck to paycheck
Budgeting with no slack is triage, not spreadsheet design — cover the four walls first, build a $500 buffer before anything else, and let automation replace…
Money News
What debt collectors can and cannot do
The Fair Debt Collection Practices Act draws hard lines — no calls at midnight, no workplace harassment, no discussing your debt with your boss — and knowing…
Budgeting
How to cut your grocery bill without clipping a single coupon
Unit prices, store brands, planned lists, and waste control move the grocery bill more than couponing ever did — four levers, no scissors.