Take 5: A Roundup of Reads From Around the Web

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This week: 4 ways not to budget, the best cell plans for all types of users, why you shouldn't read personal finance blogs, why preparation beats planning, and how the position you sleep in could be hurting you.

1. 4 Reasons I Do Not Budget

[Save Outside the Box] Author Joel Larsgaard has good reason not to budget: He doesn’t need to. The reasons why include the fact he tracks his expenses online, keeps a hefty emergency fund, is always careful with his money, and makes more than he spends. If you’ve felt guilty about failing to budget, this is your article.

2. The Cheapest Cellphone Plans for Every Type of Person

[Simple Family Finance] When I recently did a story called “Here’s When LED Lighting Isn’t a Bright Idea,” I used information from Chris Tecmire, who is also the author of this post. Chris did a thorough, and thoroughly entertaining, job on LEDs, and he does it again here with cellphones.

First he divides cell users in five categories, ranging from “What if my toe falls off and there’s no phone around?” to “I love my smartphone more than my children … and I’m not ashamed to admit it.” Then he offers options to pay as little as possible in each category. The results might surprise you, especially if you’re on an expensive contract plan from one of the big carriers.

3. Stop Reading All Personal Finance Blogs Now!

[Thousandaire] It’s rare that I laugh out loud when reading a personal finance article, but I did when I read this one.

Author Kevin McKee writes that after doing a post admitting he planned to spend $20,000 for his wedding, he was buried under critical comments from readers. One even said he should have his “personal finance blogger license” revoked.

In this post, McKee defends himself by offering other examples of “stupid” spending, from having your own place (rather than living with your parents) to children, pets and owning a car. I’ve seen this message before: Spend on things that make you happy. But I’ve never seen it expressed in such a funny way. You should read this article.

4. Why Preparation is Better Than Planning

[Time Management Ninja] “Planning leads to awareness. Preparation leads to readiness.” That’s the message of this post, and it follows it up with specific ideas. No magic bullets, but it’s good to get the occasional reminder that preparing in advance saves both time and stress.

5. Your Sleeping Position May Be Hurting You

[Wise Bread] I had no idea the way you sleep can have such an effect on your health and well-being.

This article goes over the plusses and minuses of sleeping on your back, sides and stomach. What it doesn’t explain, however, is how you’re supposed to train your sleeping body to remain in one particular position.

What do you like?

We’re always on the hunt for talented personal finance writers and interesting sites. If you’ve got a favorite, let us know below or on our Facebook page! You can also talk to us about anything you’d like simply by hitting “reply” to your daily email update. (Not subscribed? Fix that right now!)

Stacy Johnson

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