By Daniel Rodriguez | Dr. Budgets It can be hard to manage your money with variable income. When you have variable income, some months your income flows in abundance, and other months it isn’t enough to pay the bills! What is one to do? When I launched Dr. Budgets in 2013, my new company was

By Daniel Rodriguez | Dr. Budgets Happy Holidays! It’s that time of the year again… time for family and loved ones, time for big feasts, and time for… holiday spending. Many people spend more on gifts during the last month of the year that they did the prior 11 months combined. And, after you factor

By Daniel Rodriguez | Dr. Budgets Do you have variable income? Maybe you have variable income because you are in sales and earn a commission. Or, maybe you own a business and your income fluctuates month-to-month. Regardless of why you have variable income, your income isn’t fixed like someone employed in a salaried position. This

This month, my wife and I participated in our annual month-long spending freeze (No-Spend Month). You might be surprised to learn that my wife has been doing this for over ten years – long before she met me! She calls it “No-Spendtember.” I have since joined in the “fun” of participating in this annual financial

By Jeannie Rodriguez | Dr. Budgets There was a time when my daughter was around one year old that I started spending a lot of money. For a period of a few months, our expenditures were growing by a couple hundred dollars each month. I could justify pretty much all of it – it was

By Daniel Rodriguez | Dr. Budgets Recently, I have been thinking about my purpose in life (my WHY). And, I have been thinking about how that WHY ties into Dr. Budgets. This year, Dr. Budgets hit a big milestone… 5 years in business. As I reflect on those 5 years and on what lies ahead

By Daniel Rodriguez | Dr. Budgets It’s officially summer and, for many of us, that means summer vacations! For many of my clients, the idea of saving for a vacation throughout the year had never occurred to them before working with me. They would simply charge all their vacation expenses to their credit card, which

By Daniel Rodriguez | Dr. Budgets Tara and Michael* were like a lot of couples I work with… one person wanted to work with a money coach and the other was resistant. Fortunately, Tara came around to the idea of working with Dr. Budgets and the two of them became a great team! Here’s their

By Daniel Rodriguez | Dr. Budgets Finances are the leading cause of stress in a relationship, so naturally, this is an area where couples should want to get on the same page with each other. Many couples have told me, “money is the only thing we fight about.” Often, these couples don’t need couple’s counseling,

Spring is here! Now is not only a good time for spring cleaning your home, but also for financial spring cleaning. Here are some things to consider when you do your financial spring cleaning: Review Budget (Spending Plan) We are about a third of the way through the year, so now is a good time