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
I want to go through a ‘thought-experiment.’ Imagine the ‘what if’ without having to ruin anything. … More What if I purposely wreck my credit?
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
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
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?