money management 1

30 Ways to Improve Your Finances in 15 Minutes a Day

When you’re struggling to handle your money and stressed about paying the bills, good financial management can seem out of reach. But did you know that your finances can actually improve with just a bit of ongoing effort and diligence? Just like improving your tennis swing or your piano playing, you can develop smart money practices with some practice each day too.

8 Easy Ways I Saved Money Last Year (& You Can Too)

8 Easy Ways I Saved Money Last Year (& You Can Too)

With the new year here, you might be motivated to improve your financial situation. Last year I had some serious plans to do the same come January 1st. I was going to plan my meals, cut back on eating out, put more money into savings, and so forth. I’m happy to say that I made some improvements in a few areas, although it’s overall still a work in progress.

8 Money Saving Challenges to Start the New Year

8 Money Saving Challenges to Start the New Year

2019 is on the horizon. There’s nothing like a new year to get people excited about change, challenges, and goals. One popular goal is to save more money. It can be really tough to save money. You have necessary expenses like housing and food and sometimes unexpected ones like medical care or a car problem. Or you might just enjoy spending money. Whatever your reasons for spending, you know it’s a good idea to save and you’re motivated to do it now.

How to Save a Last-Minute $1000 By Christmas

How to Save a Last-Minute $1000 By Christmas

Christmas is a little more than two months away. Can you believe it? For some people, the thought of Christmas coming so soon brings anxiety. In a perfect world, we’d save all year round to cover Christmas expenses. But that’s not realistic for most people, including me. The last thing you need on top of work deadlines, family visits, and Christmas shopping is debt from the expenses of the season.

How to Succeed at a No-Spend November

How to Succeed at a No-Spend November

November is just around the corner. The holidays are coming quickly and spending can easily creep up with them leading to a busted budget. I’m not immune to extra spending either. It’s sometimes a struggle to stay frugal. I love saving money, but November is full of temptations.

The Easiest Budget You’ll Ever Follow & That Actually Works!

I know you hear it at the start of every year: you need a budget! The nagging gets tiring, even if you know or think you need one. Budgets have a bad connotation. They’re restrictive, inflexible, complicated, time-consuming, and difficult to keep. They don’t allow for any fun. And how are you supposed to know what will come up in the future? Your income and expenses may fluctuate.

How to Stop Unnecessary Spending Once and for All

How to Stop Unnecessary Spending Once and for All

Is one of your goals to spend less and save more this year? That’s definitely one of my goals. Did you know that even just a few years ago, one of the hardest things for me to do was cut back on my spending? I mean unnecessary spending of any sort. You know, shopping as a hobby, a pastime, a salve, a stress reliever, a fun get-together, a pick-me-up, an emotional crutch, or an impulsive behavior.

10 Ways to Overcome Frugal Fatigue

10 Ways to Overcome Frugal Fatigue

During one March a few years ago, I didn’t spend any money on fun and entertainment. I have an entertainment category in my budget, but I just happened not to dip into it. When I reviewed my budget at the end of the month, I was so happy with my lack of spending that I committed to keeping it going. You can already see where this is going, huh?

Reading Corner: A Review of Rich Dad Poor Dad

Reading Corner: A Review of Rich Dad Poor Dad

Have you heard of Rich Dad Poor Dad? If you’ve read some financial books or even read lists of must-read financial books, then you probably have. The book is a best seller. It’s been reviewed hundreds of times. It’s considered a staple in the financial literacy canon. So what can I add? Well, I’m going to take an unpopular stance

How Much Debt is Too Much in a Relationship?

How Much Debt is Too Much in a Relationship?

What would you do if your fiancé came to you a month before your wedding and revealed that he had $370k of debt?Sadly, this is a true story. I was browsing the boards of a wedding website a few months ago when I read this post. The woman’s fiancé told her about his $370k of debt only about a month and a half before their wedding.

How to Improve Your Financial Literacy (Without Falling Asleep)

How to Improve Your Financial Literacy (Without Falling Asleep)

Several years ago, I realized that I didn’t know enough about how to manage my money. I budgeted and put money in my 401(k), but I knew that there was still so much out there I didn’t know. I visited the library one day and browsed the section on personal finance books. I picked out a few I thought were introductory level, took them home, and started reading.

How to Fight Lifestyle Inflation (& Save Your Money)

How to Fight Lifestyle Inflation (& Save Your Money)

If there ever were a time to feel like spending money, it may be with the arrival of your first paycheck. Now that it’s July, graduation season has just finished. If you’re a lucky new grad, you have a job lined up or one on the horizon. And with that new job and those first few paychecks may come the urge to spend on what you couldn’t afford before.

Why Women Need a Back-up Plan (That's Not a Man)

Why Women Need a Back-up Plan (That's Not a Man)

Given the non-stop political coverage in the US right now about immigrants’ and other groups’ rights, I’ve been thinking a lot about women’s rights and women’s issues lately. Even more so when I recently read an article that half of women married or in relationships have a “Plan B” man ready to call if their current relationship doesn’t work out. 

Reading Corner: A Review of The Millionaire Next Door

Reading Corner: A Review of The Millionaire Next Door

If you ever wanted to learn how the wealthy become wealthy, this book may give you the best answers you’ll ever get. Thomas J. Stanley and William D. Danko, authors of The Millionaire Next Door, spent twenty years researching how people become wealthy.