One of my goals at the beginning of this year was to get more organized and get rid of a bunch of clutter.  I’ve donated about 3 bags of clothes and have gotten down to what I consider a pretty compact wardrobe of items that I wear regularly and get consistent use out of.  I’ve […]

My Money and Me

Personal Finance is not a complicated topic on it’s own, despite various books, blogs, courses and programs on the subject. For me, the concept of money itself has greatly informed how I look at personal finance.  All the advice, tricks, programs and apps in the world won’t truly make your life better until you decode […]

Getting A Little Extra From Credit Cards

I’ve made around $2000 this year from credit card sign up bonuses and rewards.  This doesn’t involve travel hacking or finding intricate ways to move money around, and takes maybe a few minutes each month to keep track of. Before we begin, it’s important to note that when used unwisely, credit cards can be dangerous […]

Saved Dollars Are Like Rabbits

A lot of savings is really just deferred spending.  Savings for a wedding, new car, or vacation will be spent within the next year or so.  Other savings, like for an emergency fund, may or may not be spent later – and may come out as a wash in your net worth.  Even retirement savings […]

One Book – Your Money Or Your Life

One question I see on personal finance sites a lot is this: If you could go back in time and tell your 18 year old self one thing, what would you tell him/her? While there are plenty of things I could think of to tell 18 year old me (a prominent one being “DON’T START […]

The Power of 25

What can you get for $25? Off the top of my head, a daily Venti Starbucks Latte on the way to work, or a $5 footlong from Subway every day for lunch, a new shirt, 2 movie tickets, a 30 pack of cheap beer, 8 or 9 gallons of gas…or a dollar a year for […]

Experts on Value

Most people know what they like.  By the time people acquire enough earning power to enable them to get what they want, they’ve already spent years developing likes and defining who they are.  Once the basics are satisfied they can start thinking about what they would like more – a better car, a house, a new […]