What Are the 5 Basics of Personal Finance?

When it comes to managing your money, understanding the basics of personal finance can make all the difference between struggling with bills and living comfortably. Personal finance might sound complicated, but it’s really about mastering a few simple principles that can set you on the path to financial security. In this post, we’ll explore the … Read more

Understanding the 80-10-10 Rule for Personal Finance

Money management is a vital skill for everyone, but it can sometimes feel overwhelming. The 80-10-10 rule is a simple guideline that can help you manage your finances effectively. This rule focuses on dividing your income into three parts: 80% for living expenses, 10% for savings, and 10% for giving. Let’s dive deeper into this … Read more

The Basic Rule of Personal Finance: Needs vs. Wants

“You Can’t Always Get What You Want” is a famous song by the Rolling Stones. This song speaks to the difference between desire and need. Sometimes, when you’re chasing something you think you need, life can be tough. But in the end, you often find you get what you actually need. This idea is central … Read more

How to Manage Your Money: Think Like a Tree

The Journey of a Lifetime Imagine this: during our lives, we will spend upwards of 500 months working for a living. That’s about 42 years of earning, learning, and hopefully, saving. Some might work less, some more, and an unfortunate few might never get to stop working. If we estimate an average monthly paycheck over … Read more

What Does It Mean to Offer Personal Finance?

Personal finance is about managing your money wisely to achieve financial security and reach your goals. This involves budgeting, saving, investing, and planning for the future. David and I believe that this means making sure that your money goes where you need it to go, not wasted on non-essentials. Many people turn to financial planners … Read more

Transform Your Money Mindset with Smart Financial Actions

Improving your financial mindset is all about taking smart, consistent actions. With the right systems in place, anyone can achieve financial stability and even prosperity. Today, we’ll explore three essential systems to help you get there: budgeting, spending tracking, and net-worth tracking. Let’s dive in! The Power of Budgeting Budgeting is the cornerstone of any … Read more

How to Set Financial Goals and Achieve Them

Setting financial goals is like planning a road trip. You need a map, a destination, and a plan to get there. Whether it’s a short drive to the next town or a cross-country adventure, having a clear idea of where you want to go makes the journey smoother and more enjoyable. Let’s talk about setting … Read more

How to Save More and Spend Less: Needs vs. Wants Explained

These top ten lists are everywhere but are most annoying to me when it comes to managing your finances. Whether it’s the top ten ways to save more, spend less or trim your budget these lists all have a common theme: the importance of tracking your expenses. We only have eight here “8 Sensible Living … Read more

Life Oriented Financial Training…. Finally

When I reflect back on my education I’m often left wondering why I was taught certain subjects and to such great detail. As a scientist I was required to learn advanced level calculus, differential equations, chemistry, and physics. It’s certainly nice to have some knowledge about these sciences. But I can honestly say I’ve never … Read more

A Step-by-Step Guide to Budgeting Like a Pro

Meet John and John and Sarah. They were tired of living paycheck to paycheck and feeling stressed about money. They knew that they needed to take control of their finances, and create a step-by-step guide to budgeting, but they weren’t sure where to start. That’s when they decided to take the plunge and create a … Read more

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