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Category Archives for Money Management

budgeting irregular expeses

The Secrets to Budgeting for Irregular Expenses Without Using Debt

Budgeting for irregular, unplanned and one-time expenses can be a challenge.   It requires an extra level of planning and a bit of discipline to make it happen.  Yet the extra planning is important

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pay off debt or save

Debt Pay off or Retirement Savings: Are You on the Right Track?

The hardest part of personal finance is that it is personal.  A solution that is one size fits all does not exist; each and every single one of us is different.  Add on top of that the possibility that

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Types of Budgets: Ways to Create a Personal Budget

The key to financial success is spending less than you make. How do you accomplish this?  The best way is to create and follow a budget, as this is the only way you know where you money is going. There

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where to save money

Money Saving Quick Guide: Where to Put Your Money for Financial Goals

You have your financial goals set, you are ready to start building up your savings but you have one problem – you don’t know where to save your money.  Not to worry here is a quick guide on where

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organize personal finances

4 Steps to Organize Personal Finances Without Getting Lost

The time has finally come; you are ready to tackle your unorganized financial paperwork.  Yet you are not quite sure where to start, the piles seem endless.  How are you supposed to do a budget or pay

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personal savings rate

1 Magic Number to Help You Reach Retirement: Personal Savings Rate

As a whole American’s have been saving less and less. Back in the 1980’s our savings rate was in the double digits, but each passing year it went lower and lower.  In October or 2001 it was a measly

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how to balance your checkbook

How to Balance Your Checkbook

  Writing checks has gone out of style. Yet one thing you still need to do is balance your checkbook.   Balancing your checkbook means that you have recorded all your transactions. Plus that what

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Pick the Right Debt Payoff Plan for You: Snowball vs Stacking

So you are sitting looking at a stack of debt.  You wish you could close your eyes and it would all go away.  Unfortunately for it to go away you have to have a plan to pay it off and then follow the

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Three Steps to the Right Financial Plan for You

Often times I am asked “what is the best financial plan?”  I always struggle with a basic answer because I firmly believe that every person’s ideal financial plan is different.  We all have different

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lump sum of money

3 Steps to Figuring Out What to Do With a Lump Sum of Money

Receiving a lump sum of money can be both exhilarating and scary all at the same time. You know you have a big opportunity to make the money matter.  Yet you are fearful that you will make a mistake in

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