For the love of the deity of your choice, please keep your business and personal financial transactions in separate accounts. Why am I so adamant about keeping these separate? … More Commingling Sounds Dirty
Some small business owners would rate a trip to the dentist higher than working on their business bookkeeping. … More Oh, I have to deal with the finances for my business too?
I’m going to answer your question with a question: How stable is your income? More stable income can get by with a smaller emergency fund. Less stable income should have a larger one. Emergency Fund Let me back up a bit and clarify what I mean by ‘emergency fund.’ This is money that you can … More How much emergency fund should I have?
The short answer is yes. If you can… I love to automate the mechanics of bill paying. This is one of my go-to solutions for clients who want help organizing their finances. However… If you are struggling to pay bills or have irregular income, setting up automatic payments can be problematic. You run a higher … More Should I set up my bills for autopay?
Are you struggling to get a handle on your finances? Has the quarantine cut or eliminated your income? To address these problems, you first need to know where your money is going. You can follow the process I’ve outlined here with spreadsheets, or you can use personal accounting apps to help you. So why use … More Personal Accounting Software
The mail carrier comes with more each day. The words were mostly a blur to Vivian. One day she had even asked the mail woman to stop delivering. “Not forever, just a few months…” But the mail carrier just directed Vivian to the postal website where she could put a hold on her mail. A … More The Big Moments
A relentless antagonist. An endless swarm infiltrating your home. You tame it as best you can, but you know it’s just one pause away from triggering chaos in your life. It turns out this enemy is mail. Maybe my description is a little overly dramatic. But for some people, it’s a real source of stress. … More How to Fight the Mail Monster
It’s Christmas time, and I could go into a diatribe on fiscal responsibility in the face of the consumerist holiday. But I won’t. Here’s a bad Christmas poem instead. Oh! My November wallet Fair and fat With opportunities resplendent. Oh! But Christmas cheer is not free Even the simplest of tidings Wassail, evergreens and gingerbread … More Cash Flow Blues: The Christmas Special
The first two episodes in this series laid the groundwork for you to take control of your finances. If you missed them, read episode 1 here and episode 2 here. If you followed the exercises in the first two episodes, you’re armed with the knowledge of where to cut your spending and start saving. So … More Cash Flow Blues 3: The Reckoning
I make money, but where does it go? I often hear this from prospective clients. They have long-term goals like saving for retirement, emergency funds, and investing but never have the cash to accomplish them. Despite earning 6 figures or more. They understand they spend too much but don’t know the steps to fix it. … More The Cash Flow Blues