Do you know those charity commercials where they break down a donation amount into a daily expense? Surely you have $0.16 per day for a good cause. Why not apply the same psychology to your personal savings? … More Saving as a Daily Expense
July is hot! Are your personal finances a ‘hot mess’? Take control by booking a cash flow analysis. … More Book a Cash Flow Analysis
But I want to ask a different question – ‘why am I saving?’ And the answer I’m looking for is not ‘retirement’ or ‘an emergency fund.’ … More How much money should I be saving?
Mixing things can be good, like chocolate and peanut butter. But mixing too much in one pot can create a sludgy mess.
But mixing money together in one account can make it difficult to identify what you’ve earmarked that money for.
… More Your Money Doesn’t Get Lonely if You Separate It
Welcome to March! The New Year’s resolution to manage your money better is a distant memory. But March means Spring Cleaning and another chance to “clean up” your inconsistent money habits. … More Book a Cash Flow Analysis
If you’ve read any of my other articles, you know I am big on tracking where your money goes. But cash is tricky. What are you spending that cash on? … More Casual Cash
Travel is often easy to cut, but lowering your dining out expenditures is deceptively complex. … More What are the biggest budget busters you’ve seen?
When I’m looking to cut expenses, should I cut out household services like cleaning services, grocery delivery, meal kits, etc.?
Ultimately, it depends on how much benefit these services provide. I have listed two examples as an exercise to determine if the service’s benefit justifies its cost. … More Should I cut out household services like cleaning services?
I can give you some ideas for making your goals more concrete. … More How do I decide what my financial goals are?