More things change, the more they stay the same. Banks want you to borrow money--badly. And there are some interesting developments in the Personal Finance Management (PFM) space to help you do just that. Here's a heads up.

What's the harm in starting over? What are some good reasons to hit the 'reset' button, and when should you keep on truckin'?

What does it mean to fail at budgeting? It, frankly, doesn't mean much of anything.

A rambling discussion of accounts, categories, cash, and just trying to do everything you can to simplify your budget process, while still deriving all of the benefit it provides.

When backpacking, you don't eat all of your food the first day. When you receive a paycheck, you don't spend all of your money the first day either. Also, handling a wildly variable income.

This church out of Idaho has been using YNAB as part of their bible study groups -- for SIX YEARS. I have a long conversation with them about how it's helped them, what they'd like to see improved, and tacos.

When it rains, it pours, right? Sometimes that's our own doing (and demise). Financially speaking, of course.

If you're not operating in reality, you don't know what you want. If you don't knowo what you want, you won't get it.

Can YNAB serve your business just as well? Well, YNAB's serving YNAB well.

Your budget has a boiling point. Dial it back a few notches so you can stick to your budget for the long haul.