A lot of us have been there, buddy, myself included. It’s very tempting to dwell, to wish you could go back and make different choices. To think about everything you could have done with that money if you hadn’t flushed it down the toilet. … More My past financial choices are a dumpster fire!
If you want to make long-term changes to your money habits, it’s hard. Because, in the end, it’s not a few grand sweeping decisions you’ll make. It’s ordinary, day-to-day decisions that lead to success. … More Really change your money habits
Your financial life has a fair amount of ‘stuff’ associated with it. Whether you know it or not, you created a ‘workflow’ to handle financial tasks. … More Describe your financial workflow
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
If you are reading this, you likely have discretionary income. But what is it anyway? How much do you have? … More Discretionary Income
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?
[Cue flashlight under the chin] I’m going to answer this question with a personal tale of woe. … More What is your worst financial horror story?
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?