This article is a little different than my normal work.
Investopedia has developed a site that's more focused on personal finance topics, and I'm writing for this side of the business as well.
So, this won't be the usual buy-sell-hold, but I hope that it's useful all the same.
http://financialedge.investopedia.com/financial-edge/0410/Budget-Smarter-With-Earmarks.aspx
Imagine waking up one day and seeing the sky through a hole in your roof. Or think about what you would do if some knucklehead wrecks your car on the way home from work. Can you write a check without worrying about going into debt or seriously digging into your savings?
We all know that we are supposed to save money for a variety of future needs like emergencies, retirement or big-ticket items. What is not mentioned is how to go about doing this. Creating a budget spreadsheet and earmarking your savings to specific categories is an easy way to make sure you are meeting your savings needs and goals.
The rest at: http://financialedge.investopedia.com/financial-edge/0410/Budget-Smarter-With-Earmarks.aspx
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