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	<title>Joshua Herzig-Marx &#187; @life</title>
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	<description>An outsider looking in to grocery</description>
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		<title>Joshua Herzig-Marx &#187; @life</title>
		<link>http://joshua.herzig-marx.com</link>
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		<item>
		<title>The Voltage Gate : Questioning the Sincerity of Envangelical Environmentalists</title>
		<link>http://joshua.herzig-marx.com/2007/04/25/the-voltage-gate-questioning-the-sincerity-of-envangelical-environmentalists/</link>
		<comments>http://joshua.herzig-marx.com/2007/04/25/the-voltage-gate-questioning-the-sincerity-of-envangelical-environmentalists/#comments</comments>
		<pubDate>Thu, 26 Apr 2007 04:37:11 +0000</pubDate>
		<dc:creator>herzigma</dc:creator>
				<category><![CDATA[@life]]></category>
		<category><![CDATA[environment]]></category>
		<category><![CDATA[good works]]></category>
		<category><![CDATA[tikkun olam]]></category>

		<guid isPermaLink="false">http://joshua.herzig-marx.com/?p=198</guid>
		<description><![CDATA[A recent post on ScienceBlogs reviewed a book by Matthew Sleeth, an evangelical Christian and former doctor who has dedicated his life to environmental change. He came to speak at our little synagogue a few months ago &#8211; it&#8217;s interesting to read the perspective of a scientist and atheist: The Voltage Gate : Questioning the [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=joshua.herzig-marx.com&blog=226599&post=178&subd=herzigma&ref=&feed=1" />]]></description>
			<content:encoded><![CDATA[<p>A recent post on ScienceBlogs reviewed a book by Matthew Sleeth, an evangelical Christian and former doctor who has dedicated his life to environmental change. He came to speak at our little synagogue a few months ago &#8211; it&#8217;s interesting to read the perspective of a scientist and atheist: <a href="http://scienceblogs.com/voltagegate/2007/04/questioning_the_sincerity_of_e.php">The Voltage Gate : Questioning the Sincerity of Evangelical Environmentalists</a>.</p>
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		<title>Seth&#8217;s Blog: NOBS, the end of the MBA</title>
		<link>http://joshua.herzig-marx.com/2007/04/04/seths-blog-nobs-the-end-of-the-mba/</link>
		<comments>http://joshua.herzig-marx.com/2007/04/04/seths-blog-nobs-the-end-of-the-mba/#comments</comments>
		<pubDate>Wed, 04 Apr 2007 13:30:40 +0000</pubDate>
		<dc:creator>herzigma</dc:creator>
				<category><![CDATA[@life]]></category>
		<category><![CDATA[babson]]></category>
		<category><![CDATA[entrepreneurship]]></category>
		<category><![CDATA[money, business & finance]]></category>
		<category><![CDATA[school]]></category>

		<guid isPermaLink="false">http://joshua.herzig-marx.com/?p=197</guid>
		<description><![CDATA[Seth Godin provides a welcome criticism of the typical MBA program in NOBS, the end of the MBA. He reveals how little of the typical curriculum reflects the real problems a manager deals with, and the real skills they require. I agree with him that programs need to spend more time on meta skills: persuading, [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=joshua.herzig-marx.com&blog=226599&post=177&subd=herzigma&ref=&feed=1" />]]></description>
			<content:encoded><![CDATA[<p>Seth Godin provides a welcome criticism of the typical MBA program in <a href="http://sethgodin.typepad.com/seths_blog/2007/04/nobs_the_end_of.html">NOBS, the end of the MBA</a>. He reveals how little of the typical curriculum reflects the real problems a manager deals with, and the real skills they require. I agree with him that programs need to spend more time on meta skills: persuading, selling, teaching, hiring, firing, and inspiring. It&#8217;s valid criticism.</p>
<p>While we don&#8217;t get there 100%, though, I would argue that my program at Babson College gets closer than most other schools:</p>
<ul>
<li>Unlike traditional programs organized around a semester system, Babson eschews stand-alone courses for integrated, just in time knowledge delivery. Our first year is organized to follow the life-cycle of an archetypal corporation: evaluating the opportunity, assembling the team, developing the plan, securing funding, expanding operations, and becoming  global. Subject matter such as finance, operations, and law are combined.</li>
<li>Real-world experience is explicitly integrated. Every first-year student is required to complete a year-long consulting project for a local company. Many (if not most) second year students engage in unpaid, for-credit work projects: managing teams of undergrads, consulting for area businesses, managing the school&#8217;s endowment, or starting a business in the school&#8217;s incubator.</li>
</ul>
<p>Babson is the entrepreneurship school. Most students don&#8217;t start their own companies but the focus throughout our two years is on identifying and realizing opportunities. For employers who primarily want someone to do valuations, or design marketing plans, of do cost accounting, we might not be the best choice. But for the sorts of businesspeople Seth Godin imagines, Babson could be just the right program.</p>
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		<title>Ask the Readers: Say yes to mess? &#8211; Lifehacker</title>
		<link>http://joshua.herzig-marx.com/2006/12/29/ask-the-readers-say-yes-to-mess-lifehacker/</link>
		<comments>http://joshua.herzig-marx.com/2006/12/29/ask-the-readers-say-yes-to-mess-lifehacker/#comments</comments>
		<pubDate>Sat, 30 Dec 2006 01:20:18 +0000</pubDate>
		<dc:creator>herzigma</dc:creator>
				<category><![CDATA[@life]]></category>
		<category><![CDATA[ADD]]></category>
		<category><![CDATA[ADHD]]></category>

		<guid isPermaLink="false">http://joshua.herzig-marx.com/?p=185</guid>
		<description><![CDATA[I had a Persian boss once who repeated a saying from her grandfather: &#8220;A messy desk is the sign of a messy mind; an empty desk is the sign of an empty mind.&#8221; Guess which I had? Say yes to mess? &#8211; Lifehacker<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=joshua.herzig-marx.com&blog=226599&post=166&subd=herzigma&ref=&feed=1" />]]></description>
			<content:encoded><![CDATA[<p>I had a Persian boss once who repeated a saying from her grandfather: &#8220;A messy desk is the sign of a messy mind; an empty desk is the sign of an empty mind.&#8221; Guess which I had? <a href="http://www.lifehacker.com/software/clutter/ask-the-readers-say-yes-to-mess-225096.php">Say yes to mess? &#8211; Lifehacker</a></p>
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			<media:title type="html">JHM</media:title>
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		<title>Back to paper</title>
		<link>http://joshua.herzig-marx.com/2006/11/12/back-to-paper/</link>
		<comments>http://joshua.herzig-marx.com/2006/11/12/back-to-paper/#comments</comments>
		<pubDate>Sun, 12 Nov 2006 15:25:18 +0000</pubDate>
		<dc:creator>herzigma</dc:creator>
				<category><![CDATA[@life]]></category>
		<category><![CDATA[geek cheap]]></category>
		<category><![CDATA[geekery]]></category>
		<category><![CDATA[spreadsheets and paper]]></category>

		<guid isPermaLink="false">http://joshua.herzig-marx.com/?p=174</guid>
		<description><![CDATA[I don&#8217;t like paper. Except for my little folio, I don&#8217;t use paper. And, my Tablet PC notwithstanding, I can&#8217;t even read my own handwriting. But my wife likes paper and it&#8217;d fun to think of all the geeky ways I can get more paper into her life. OrganizedHome.com offers a bunch of printable planning [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=joshua.herzig-marx.com&blog=226599&post=156&subd=herzigma&ref=&feed=1" />]]></description>
			<content:encoded><![CDATA[<p>I don&#8217;t like paper. Except for my little folio, I don&#8217;t use paper. And, my Tablet PC notwithstanding, I can&#8217;t even read my own handwriting. But my wife likes paper and it&#8217;d fun to think of all the geeky ways I can get more paper into her life. <a href="http://organizedhome.com/">OrganizedHome.com</a> offers a bunch of <a href="http://www.organizedhome.com/printable/showgallery.php?si=&amp;limit=all&amp;thumbsonly=0&amp;perpage=18&amp;cat=501&amp;ppuser=&amp;thumbcheck=0&amp;page=1&amp;sortby=&amp;sorttime=&amp;way=&amp;cat=501">printable planning forms</a>, though they mostly seem to be fairly low-res JPEGs. The classic (and best) of the printable templates sites is <a href="http://www.diyplanner.com/templates/official">D*I*Y Planner</a>, and they provide options for US and European-full and half sized planners, as well as templates for the Hipster PDA. <a href="http://radio.weblogs.com/0114670/categories/hipsterPda/">John Norris</a> also makes templates for this format. But, if 3&#215;5 note cards seems too much of an investment, ty <a href="http://www.pocketmod.com/app/index.html">PocketMod</a>, a cute web application that allows you to lay out a foldable booklet. All these are neat, but my favorite was the <a href="http://mekkaniak.nu/zipster/">Zipster</a> I made a few months ago. Never used it, but it sure looks cool:</p>
<p><a href="http://www.flickr.com/photos/herzigma/295363898/" class="tt-flickr"><img src="http://static.flickr.com/108/295363898_826d222197_m.jpg" alt="image25" width="240" height="160" border="0" /></a> <a href="http://www.flickr.com/photos/herzigma/295363825/" class="tt-flickr"><img src="http://static.flickr.com/108/295363825_8b3993fd3e_m.jpg" alt="image21" width="240" height="160" border="0" /></a></p>
<p>If all you need is letter-sized note paper, <a href="http://www.pdfpad.com/">PDF Pad</a> has you covered with graph paper, note paper, musical staffs, and more. There&#8217;s also lifehack.org&#8217;s <a href="http://www.lifehack.org/free-online-graph-grid-templates-pdf/">version</a>, and Simson Garfinkel <a href="http://www.simson.net/notepaper/">has one</a> as well (if needed, rename <code>index.cgi</code> to something with the PDF extension). Finally, for goofy or unusual templates, check out the <a href="http://www.eduplace.com/graphicorganizer/">graphc organizers section</a> on the Houghton-Mifflin Education Place site.</p>
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		<slash:comments>3</slash:comments>
	
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			<media:title type="html">JHM</media:title>
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			<media:title type="html">image25</media:title>
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			<media:title type="html">image21</media:title>
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		<title>Back up Mt. Wachusett</title>
		<link>http://joshua.herzig-marx.com/2006/10/17/back-up-mt-wachusett/</link>
		<comments>http://joshua.herzig-marx.com/2006/10/17/back-up-mt-wachusett/#comments</comments>
		<pubDate>Wed, 18 Oct 2006 03:56:21 +0000</pubDate>
		<dc:creator>herzigma</dc:creator>
				<category><![CDATA[@life]]></category>
		<category><![CDATA[babson]]></category>
		<category><![CDATA[geekery]]></category>
		<category><![CDATA[hiking]]></category>
		<category><![CDATA[outdoors]]></category>
		<category><![CDATA[photography]]></category>
		<category><![CDATA[school]]></category>

		<guid isPermaLink="false">http://joshua.herzig-marx.com/?p=166</guid>
		<description><![CDATA[This past weekend I went with some classmates back up Mt. Wachusett to see the foliage. Not so many pictures this time, but the view was beautiful. View from the top: View at the bottom: Plenty of runoff from the top: Crazy knocked-down tree: The colors were crazy. This is looking south, towards central Massachusetts: [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=joshua.herzig-marx.com&blog=226599&post=150&subd=herzigma&ref=&feed=1" />]]></description>
			<content:encoded><![CDATA[<p>This past weekend I went with some classmates <a href="http://joshua.herzig-marx.com/?p=149">back up</a> <a href="http://www.mass.gov/dcr/parks/central/wach.htm">Mt. Wachusett</a> to see the <a href="http://www.weather.com/maps/geography/northeastus/northeastusfallfoliage_large.html">foliage</a>. Not so many pictures this time, but the view was beautiful.</p>
<p>View from the top:<br />
<a href="http://www.flickr.com/photos/herzigma/272807430/" class="tt-flickr"><img src="http://static.flickr.com/95/272807430_fdd084ffd3.jpg" alt="mountain top panorama" width="500" height="190" border="0" /></a></p>
<p>View at the bottom:<br />
<a href="http://www.flickr.com/photos/herzigma/272807080/" class="tt-flickr"><img src="http://static.flickr.com/95/272807080_0051f99323.jpg" alt="echo lake panorama" width="500" height="111" border="0" /></a></p>
<p>Plenty of runoff from the top:<br />
<a href="http://www.flickr.com/photos/herzigma/272513417/" class="tt-flickr"><img src="http://static.flickr.com/109/272513417_51382b1626.jpg" alt="IMG_9974" width="500" height="333" border="0" /></a></p>
<p>Crazy knocked-down tree:<br />
<a href="http://www.flickr.com/photos/herzigma/272513691/" class="tt-flickr"><img src="http://static.flickr.com/91/272513691_5a26529817.jpg" alt="IMG_9976" width="500" height="333" border="0" /></a></p>
<p>The colors were crazy. This is looking south, towards central Massachusetts:<br />
<a href="http://www.flickr.com/photos/herzigma/272512202/" class="tt-flickr"><img src="http://static.flickr.com/121/272512202_dd97b185a2.jpg" alt="IMG_9966" width="500" height="333" border="0" /></a></p>
<p>Closeup of the colors:<br />
<a href="http://www.flickr.com/photos/herzigma/272507769/" class="tt-flickr"><img src="http://static.flickr.com/84/272507769_8034f3efc5.jpg" alt="IMG_0002" width="500" height="333" border="0" /></a></p>
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			<media:title type="html">JHM</media:title>
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			<media:title type="html">mountain top panorama</media:title>
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			<media:title type="html">echo lake panorama</media:title>
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			<media:title type="html">IMG_9974</media:title>
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			<media:title type="html">IMG_0002</media:title>
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		<title>What is karma?</title>
		<link>http://joshua.herzig-marx.com/2006/10/06/what-is-karma/</link>
		<comments>http://joshua.herzig-marx.com/2006/10/06/what-is-karma/#comments</comments>
		<pubDate>Fri, 06 Oct 2006 14:47:10 +0000</pubDate>
		<dc:creator>herzigma</dc:creator>
				<category><![CDATA[@life]]></category>
		<category><![CDATA[Politics & thought]]></category>

		<guid isPermaLink="false">http://joshua.herzig-marx.com/?p=163</guid>
		<description><![CDATA[Overheard: &#8220;Karma&#8217;s just taking credit for good luck.&#8221; Uploaded by OPHOTN on 22 Dec &#8217;05, 8.12pm PST.<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=joshua.herzig-marx.com&blog=226599&post=147&subd=herzigma&ref=&feed=1" />]]></description>
			<content:encoded><![CDATA[<p>Overheard: &#8220;<a href="http://en.wikipedia.org/wiki/Karma">Karma&#8217;s</a> just taking credit for good luck.&#8221;</p>
<p><a href="http://www.flickr.com/photos/ophotn/76459634/"><img src="http://static.flickr.com/42/76459634_421dad8cc6.jpg" alt="Tip Jar" width="500" height="375" border="0" /></a><br />
Uploaded by <a href="http://www.flickr.com/photos/ophotn/">OPHOTN</a> on 22 Dec &#8217;05, 8.12pm PST.</p>
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		<title>Scary schoolwork for the boy with ADD</title>
		<link>http://joshua.herzig-marx.com/2006/09/30/scary-schoolwork-for-the-boy-with-add/</link>
		<comments>http://joshua.herzig-marx.com/2006/09/30/scary-schoolwork-for-the-boy-with-add/#comments</comments>
		<pubDate>Sat, 30 Sep 2006 21:53:27 +0000</pubDate>
		<dc:creator>herzigma</dc:creator>
				<category><![CDATA[@life]]></category>
		<category><![CDATA[ADD]]></category>
		<category><![CDATA[ADHD]]></category>
		<category><![CDATA[babson]]></category>
		<category><![CDATA[learning]]></category>
		<category><![CDATA[school]]></category>

		<guid isPermaLink="false">http://joshua.herzig-marx.com/?p=159</guid>
		<description><![CDATA[So, first the good news. According to Fred Wilson, partner at VC firm Union Square Ventures, many successful entrepreneurs have ADD. But if you look at most successful entrepreneurs, they exhibit many of these characteristics too. They can&#8217;t focus on anything for long periods of time, but they lunge into new stuff with a voracious [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=joshua.herzig-marx.com&blog=226599&post=143&subd=herzigma&ref=&feed=1" />]]></description>
			<content:encoded><![CDATA[<p>So, first the good news. According to <a href="http://www.linkedin.com/pub/0/66/6b5">Fred Wilson</a>, partner at VC firm <a href="http://www.unionsquareventures.com/">Union Square Ventures</a>, <a href="http://avc.blogs.com/a_vc/2006/09/attention_defec.html">many successful entrepreneurs have ADD</a>.</p>
<blockquote><p>But if you look at most successful entrepreneurs, they exhibit many of these characteristics too. They can&#8217;t focus on anything for long periods of time, but they lunge into new stuff with a voracious appetite to figure it out.</p>
<p>I don&#8217;t know about the clinical side of this disorder. I am sure that there are many cases where the disorder is terribly disabling. But I really wonder if a moderate amount of ADD is a bad thing. I think it may in fact be a good thing. It&#8217;s certainly a trait I have come to know and love in entrepreneurs.</p></blockquote>
<p>This is good news for me! I wouldn&#8217;t mind having to ask Fred for money one day, or a job, and if bringing along an official diagnosis can help, so much the better.</p>
<p>But the ADD has a dangerous and scary side. Our first term at Babson just ended and we had to write a short paper &#8211; 6 pages &#8211; reflecting on our experience and the process of learning. <strong>Or</strong> we could hand in something creative. I had five perfectly good pages typed out last night before bed. This morning I scrapped it all in favor of a slide show/presentation. Is it better now? More expressive? More passionate? Sure! Will it meet my professor&#8217;s expectations? We&#8217;ll see&#8230;.</p>
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		<title>Gone Running</title>
		<link>http://joshua.herzig-marx.com/2006/09/04/gone-running/</link>
		<comments>http://joshua.herzig-marx.com/2006/09/04/gone-running/#comments</comments>
		<pubDate>Tue, 05 Sep 2006 01:29:52 +0000</pubDate>
		<dc:creator>herzigma</dc:creator>
				<category><![CDATA[@life]]></category>
		<category><![CDATA[ADD]]></category>
		<category><![CDATA[ADHD]]></category>
		<category><![CDATA[school]]></category>

		<guid isPermaLink="false">http://joshua.herzig-marx.com/?p=158</guid>
		<description><![CDATA[We&#8217;ve been jogging together, off and on, for the past few years, but we&#8217;ve gotten serious this summer. One nice thing about running is how quickly you can see improvement. We&#8217;ve gone from struggling with 2 miles to running over three with no difficulty. You can see some of the routes we follow. As school [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=joshua.herzig-marx.com&blog=226599&post=142&subd=herzigma&ref=&feed=1" />]]></description>
			<content:encoded><![CDATA[<p>We&#8217;ve been jogging together, off and on, for the past few years, but we&#8217;ve gotten serious this summer. One nice thing about running is how quickly you can see improvement. We&#8217;ve gone from struggling with 2 miles to running over three with no difficulty. You can see some of the <a href="http://www.usatf.org/routes/search/searchResults.asp?distance_from=1.9&amp;distance_to=3.6&amp;distanceUnits=mi&amp;startType=H&amp;startName=&amp;facility=&amp;city=Newton&amp;state=MA&amp;rating=">routes we follow</a>.</p>
<p>As school begins, maintaining the exercise routine will be critical. There&#8217;s considerable evidence that for people like myself with ADHD, learning and attention are improved with exercise, <a href="http://www.ncbi.nlm.nih.gov/entrez/query.fcgi?db=pubmed&amp;cmd=Retrieve&amp;dopt=AbstractPlus&amp;list_uids=11828226&amp;query_hl=1&amp;itool=pubmed_DocSum">particularly vigorous exercise</a>.</p>
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		<title>Cheap textbooks? on Lifehacker</title>
		<link>http://joshua.herzig-marx.com/2006/09/03/cheap-textbooks-on-lifehacker/</link>
		<comments>http://joshua.herzig-marx.com/2006/09/03/cheap-textbooks-on-lifehacker/#comments</comments>
		<pubDate>Sun, 03 Sep 2006 13:54:13 +0000</pubDate>
		<dc:creator>herzigma</dc:creator>
				<category><![CDATA[@life]]></category>
		<category><![CDATA[Politics & thought]]></category>
		<category><![CDATA[babson]]></category>
		<category><![CDATA[school]]></category>

		<guid isPermaLink="false">http://joshua.herzig-marx.com/?p=157</guid>
		<description><![CDATA[It seems like lots of my classmates still hadn&#8217;t purchased there books&#8211;and the on campus bookstore is expensive. I bought early and there were still some good options on Amazon Marketplace, but everyone else may want to check out this article: Ask the Readers: Cheap textbooks? &#8211; Lifehacker.<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=joshua.herzig-marx.com&blog=226599&post=141&subd=herzigma&ref=&feed=1" />]]></description>
			<content:encoded><![CDATA[<p>It seems like lots of my classmates still hadn&#8217;t purchased there books&#8211;and the <a href="http://babson.bkstore.com/">on campus bookstore</a> is expensive. I bought early and there were still some good options on Amazon <a href="http://www.amazon.com/gp/help/customer/display.html/102-1570989-7673728?ie=UTF8&amp;nodeId=1161232">Marketplace</a>, but everyone else may want to check out this article: <a href="http://www.lifehacker.com/software/back-to-school/ask-the-readers-cheap-textbooks-197494.php">Ask the Readers: Cheap textbooks? &#8211; Lifehacker</a>.</p>
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		<title>Managing your money on the Internet.</title>
		<link>http://joshua.herzig-marx.com/2006/07/28/managing-your-money-on-the-internet/</link>
		<comments>http://joshua.herzig-marx.com/2006/07/28/managing-your-money-on-the-internet/#comments</comments>
		<pubDate>Fri, 28 Jul 2006 05:19:37 +0000</pubDate>
		<dc:creator>herzigma</dc:creator>
				<category><![CDATA[@life]]></category>
		<category><![CDATA[money, business & finance]]></category>
		<category><![CDATA[spreadsheets and paper]]></category>

		<guid isPermaLink="false">http://joshua.herzig-marx.com/?p=150</guid>
		<description><![CDATA[Update: Welcome PearBudget blog readers. A quick request: if you do use PearBudget (or some other tool) to track you expenses, I&#8217;d be curious to hear about your workflow in the comments. Thanks! In sixteen hours we leave for two weeks in Israel and Italy &#8211; a last hurrah before an MBA and a PhD [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=joshua.herzig-marx.com&blog=226599&post=135&subd=herzigma&ref=&feed=1" />]]></description>
			<content:encoded><![CDATA[<p><strong>Update:</strong> Welcome PearBudget blog readers. A quick request: if you do use PearBudget (or some other tool) to track you expenses, I&#8217;d be curious to hear about your workflow in the comments. Thanks!</p>
<p>In sixteen hours we leave for two weeks in Israel and Italy &#8211; a last hurrah before an <a href="http://www3.babson.edu/MBA/programs/twoyear/">MBA</a> and a <a href="http://www.simmons.edu/ssw/academics/phd.shtml">PhD in Social Work</a>. While we&#8217;re both getting an extremely generous amount of assistance, money will be tight over the text few years and I&#8217;ve been wondering what tools the Internet provides for keeping track of our cash.</p>
<p>A while back, <a href="http://www.lifehacker.com">Lifehacker</a> asked about <a href="http://www.lifehacker.com/software/budget/ask-lifehacker-readers-best-budgeting-software-and-methods-175046.php">good tools for budgeting</a>. Perhaps not surprisingly, most users suggested Excel or other spreadsheet tools. Spreadsheets have the advantages of flexibility and ad hoc reuse. With the advent of <a href="http://spreadsheets.google.com/">Google Spreadsheets</a>, <a href="http://www.zohosheet.com/">Zoho Sheet</a>, and other similar online tools the primary disadvantage&#8211;locking the user to a single computer&#8211;has been obviated.</p>
<p>Other commenters suggested <a href="http://www.mvelopes.com/">Mvelopes</a>, a full featured cash and financial management application, and <a href="http://www.snowmintcs.com/products/">Snowmint Budget</a>, a desktop budgeting application. These both are based on the <a href="http://www.hellodollar.com/archives/2005/08/envelope_budget.html">envelope budgeting methodology</a>&#8211;fine if that&#8217;s what you want to follow but not so flexible for the rest of us.</p>
<p><a href="http://pearbudget.com/">PearBudget</a> is a neat tool built in Excel that combines budget setting with budget tracking, but requires you to save and transcribe receipts. It looks like they&#8217;re working on a web version.</p>
<p>The downsides of these web and computer tools&#8211;that you need to be at a computer to use them&#8211;may be addressed by <a href="http://www.successminders.com/2006/02/14/introducing-filo/">Filo</a>, a printable expense register. Perhaps this (or any other paper-based expense tracker) could be combined with Pearbudget to avoid having to carry around receipts.</p>
<p>Some tools aren&#8217;t designed to help you track your spending. Instead, they motivate you to save. The <a href="http://www.hughchou.org/calc/lunch.cgi">Lunch Savings Calculator</a> is one example: by being a cheap bastard with my PB&amp;J I can save over $1000 a year!</p>
<p>If your problem is paying bills on time, perhaps reminder services like <a href="http://www.mybillq.com/">billQ</a> would, erm, fit the bill.</p>
<p>The problem with most of these solutions are that they don&#8217;t provide the full solution set (building a budget, tracking expenses, and measuring performance), lock you in to a proprietary platform, and require that you physically be at a computer. My requirements would be:</p>
<ul>
<li>Ability to set budget categories, amounts, and time frames arbitrarily</li>
<li>Ability to record expenses as they happen with little or no data reentry</li>
<li>Ability to generate reports showing actuals vs. budgeted, where the money&#8217;s going, etc.</li>
<li>Live access to budgeting an expense data in a structured format like XML for analysis wherever and however I like</li>
</ul>
<p>Unfortunately, I have yet to find what I want. <a href="http://lifehacker.com/software/budgetbot/hack-attack-the-aim-budgetbot-187215.php">Lifehacker has a clever trick that accomplishes some of what I want</a>&#8211;they hack up some Perl scripts to interface with AIM to allow users to instant message or SMS their expenses. Ubiquity is provided, and the data is accessible as a local text file, but it&#8217;s hardly convenient for the non-techies among us.</p>
<p>Finally, we must not be the only ones stressing about money. Also <a href="http://lifehacker.com/software/personal-finance/weekend-project-get-on-oprahs-debt-diet-188809.php">via Lifehacker</a> is <a href="http://www.oprah.com/money/debtdiet/steps/debtdiet_steps_main.jhtml">Oprah&#8217;s Debt Diet</a>.</p>
<p>The best book I&#8217;ve read about managing money is the <a href="http://www.kk.org/cooltools/archives/000247.php"><em>Five Rituals of Wealth</em></a>. It teaches that wealth comes from the discipline to know where your money is spent.</p>
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