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Building an emergency fund equivalent to 3-6 months of personal living expenses isn’t just important, its critical in creating financial stability in your life.
I was fortunate to learn this lesson the hard way when I was growing up. When I was a kid of about 7 years old, my parents divorced. The divorce [...]
ShareWriting a personal finance blog gives me the unique opportunity to share relevant and useful personal finance tips with you. Today’s subject isn’t nearly as fun as learning about One of The Smartest Retirement Tools Ever Created – But by the time you finish reading this short post, I will show you how to file [...]
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Of course this is not a one word answer. However, there are some general rules that you can apply here. First, we have to realize that from 2002-2007, there was A LOT of fictitious value created in the global housing market. I think most people are well aware of that [...]
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The short answer to this question is a yes. But it really has to be explained. Transferring your credit card to a lower interest rate will help, sure. But if you don’t quit buying things you don’t need and spending money you don’t already have, this will be a total [...]
ShareThis post is the second half of yesterday’s posts 20 Ways To Cut Your Expenses This is part 2 (the next 10) So, feel free to share your ideas of how to save money and cut expenses.
11. Cancel Your Gym Membership and workout at home. Staying in shape is always a good [...]
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I thought I would change things up today and make a list of ways you can cut your expenses. Certainly when you cut your expenses you will have more money to pay off your debt or save money and/or spend on things you like. So, here is part 1 of the list [...]
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An Investor’s Manifesto, for Real Investors
I recently read an article from Kiplinger’s called An Investor’s Manifesto, which accurately summarizes several important investment pillars to follow. Some of those ideas are in this post and I have added several of my own.
Diversification among different asset classes works well over the years and [...]
Share“Simplicity is the peak of civilization.” – Jessee Sampter
Simplifying things means different things to different people. For me, simplicity means automating things that I don’t really enjoy or don’t want to do so that I can focus on what is really important. Simplifying things also brings clarity and eliminates chaos from my life.
Remember that “Getting There” (to simplicity [...]
ShareIf you are like me, you will be doing a little last minute Christmas shopping this week. Sometimes it can be hard thinking of “cool” gifts that are within your budget, right? Last night as I was doing some of my weekly reading, I came across this list of affordable Christmas gifts under $10. If [...]
ShareHow To Automate Your Personal Finances in 2010
One of the first things to realize about putting your personal finances in order is that it is rather easy. Once you learn how to do a few things like putting your checking and savings accounts on auto-pilot, you will be on your way to solving the “mystery” [...]
