Are you yearning for a financial strategy that doesn’t require deciphering complex stock charts? We explore this idea in The Balance: An Old Guy Offers Some Random Thoughts On Money Kindle Edition by David Penna (Author). Meet David, a former mining geologist whose unique background has shaped a simple financial strategy for a secure retirement….
Many people believe that their past governs their future. They believe that they are destined to a fate determined by the accumulation of their past experiences. Is Failure Inevitable? Do you believe that you have always been short of money, and always will be? Do you believe that you have little control of your life…
The Four Categories of Personal Finance The four categories of personal finance are income, expenses, assets, liabilities Income Free Weekly Habit Tracker From the list above, you can prepare a budget. Be sure to include expenses that may not occur every month such as taxes, insurance, seasonal gifts, etc. Check out my article Four Tips…
Are you spending way too much money on groceries? For many of us, the cost of meat is eating up a major portion of our grocery budget. The answer to this dilemma is simple – buy less meat! The trick to serving less meat is in the vegetables and other protein choices. Vegetarian options can…
Recently, my wife’s aunt passed away and left us a decent windfall. Our big problem was clearly, the best way to use our windfall. Fortunately, we were able to work through our choices fairly quickly. In this article, I will lay out the choices available to most people, and how to sort through them. When…
Are you a Creeper? On the surface, you look successful. You’ve been climbing up the career ladder with one higher paying position after the next. You earn raises and bonuses. Yet, your savings are low and your life goals still lie far out of reach. If that’s you, you may be experiencing lifestyle creep that…
As always, I am not a qualified financial advisor. I just relate financial management to my own experience which may not resemble yours at all. Advice is frequently worth exactly what you paid for it. Most of mine came from expensive experiences.
Overspending, or under-earning, is a big challenge for many of us. Our eyes get a little big for our wallets, and we give in to impulse. Overspending is a habit like overeating. It’s the result of short-term thinking and not giving the longer term consequences full consideration. Spending money can also be like a drug….
Four tips for creating a solid budget is a tool that could bring your mind, family, and finances into harmony. It could dramatically reduce stress, and make the challenges of life much more manageable. Take advantage of this tool explained in this article. The tool is called a budget and it allows you to take…
Follow these seven simple steps and you will be well on your way to financial security. These seven rules/steps are simple to understand, but take time and effort to implement. There is no short cut that will allow your to skip the seven steps to financial security. Remember the old line, “30 years ago I…