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What We Do “Sage” means wisdom, like “sage advice.” I want to help you build sage habits into your daily routine and yearly goals. When I started this adventure in articles and videos to help others, it was mostly a chance to crystallize my own thoughts about the sage—and sometimes the very not sage—decisions and […]
Stop the Bleeding: Get Out of Debt Like Your Life Depends on It!
You’re in crisis mode! Your monthly bills are too high, and your pay is too low. Debts and loans are covering the difference, and it’s just not sustainable. Or, slightly better, you’re draining savings, but this won’t last long. It’s a hard place to be in and it sucks. But, if you’re serious about getting […]
How to Actually Stick to a Budget
The behavioral and psychological components behind overspending There is a ton of information now about how our mind works to sabotage our own thinking. We literally deceive ourselves. Part of the deception lies in our hearts and minds—emotions and thought processes—and another part lies in our environmental cues and the systems we construct for ourselves […]
Prepare for the Unexpected: How to Build Your Safety Nets
Financial safety nets are the key tool preventing you from calling prey to debt when something unexpected suddenly requires you to spend more than your monthly paychecks normally allow. Safety nets are the main idea behind the very first pillar, Prepare, of our 4P Budget system, so we’ll go deep into the different types and […]
Counterintuitively, budgets give you freedom
How does the word “budget” make you feel? What is your attitude toward money in general, and budgets in particular? Do you feel fear or frustration? Fear that your money will run out, or frustrated that you don’t have enough or don’t know where it all goes? The goods news is that you can turn […]
The 4P Budget: Actually Make Progress on your Money Goals
Introduction: What’s Wrong with Other Budgets? Most current budgeting systems or popular methods fall short in one or more of the following areas. These old-school budgets: The Sage Habits 4P Budget addresses these shortcomings by focusing on four distinct pillars that can help bring clarity, purpose, and control to your finances that you can confidently […]
What my cars really cost after 11 years and 100k miles
Are you buying a car? Do you want new or used? No frills or rolling luxury? Boring or exhilarating? These and many other questions we’ll answer from the Sage Habits point of view–how to be wise with your resources, which in this case are money, time and energy. Let’s dig in!