Take 5: A Roundup of Reads From Around the Web

1. A Comprehensive Guide to the Envelope System

[Wise Bread] There’s old school, and then there’s old school. Here’s a provocative argument: You can save more money by budgeting with old-fashioned envelopes than you can with sophisticated online tools. “The envelope system is one of the easiest and most effective budget tools available,” claims Wise Bread. Check it out and see for yourself. My take: Anything that helps you save and isn’t illegal or immoral is fine by me.

2. Tips for the Introverted Negotiator

[Get Rich Slowly] It would seem the best negotiators are also the loudest. (See No. 3 for more on that.) But if you’re a quiet person, you can still strike a great deal. Many of the tips for successful negotiations don’t require any human interaction at all – from research to writing scripts. Here are the nine basics you need to know.

3. Negotiating Lesson from the Streets of Shanghai

[Bargaineering] Speaking of negotiating, here are some more tips from the place that raises the topic from business practice to fine art. But the best advice? “Walk away.” And that applies everywhere, not just in Shanghai.

4. Have You Become a Slave to Your Lifestyle?

[Moneyning] There’s not a lot of advice here. Just a lot of questions you really need to ask yourself about why you spend the way you do. Is it for enjoyment or just image? Every so often, it’s a good idea to make a money gut check.

5. Giving to Charity: Time vs. Money

[Gen X Finance] While this site is aimed at Gen Xers, I find lots of the advice is good for anyone from a college student to a senior citizen. Case in point: What’s better for your well-being and your bottom line, giving cash or time to a charity? Here are all the factors you need to consider.

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