Imagine how terrible it would be to have your identity stolen. Lots of people shutter at the thought and rightly so. That’s why identity monitoring is such a hot topic. The financial cost of having your identity stolen can be horrendous. This is to say nothing of the wasted hours and feeling of being violated […]
Spending Less Money Related Posts
How you spend your money is probably more important than how much you make or how you invest. That’s because you have more control over your spending than how much you or your investments earn.
The posts in this category are critical. They will help you get a handle on what you really spend on average each month and how to tame your spending.
An Amortization Definition You Can Understand and Use
Amortization is a key concept in your financial life. If you don’t have a clear amortization definition, you’ll find it difficult to understand how a mortgage works. And amortization is also critical if you want to budget effectively (much more on that shortly). Can you think of any more important financial concept? There aren’t many. […]
You Need A Budget YNAB Review – A Certified Financial Planner (R) Professional’s Opinion
I finally broke down and decided to review YNAB, better known to some as You Need A Budget, the premier personal budget software package. And even though I’m a professional financial advisor and CERTIFIED FINANCIAL PLANNER™ Professional, what you do financially dwarfs the importance of my work. That’s right. Even if you had Warren Buffet […]
Creating a Budget that Works
Lots of people name “getting out of debt” as their top priority for the coming year. Well, if you are one of those people, the most important first step you should take is to become a master at budgeting. The good news is that you can make a budget that works even if you’ve tried […]
How to Pay Off a Car Loan Two Years Early
You can pay off a car loan quicker and cheaper than you think. And if you have a car loan that carries a high interest rate, your number one priority should be to pay it off as early as possible. Fortunately, it’s not difficult to do. 1. Determine how much money you need to increase […]
How to Control Spending in Five Minutes a Month
You may think it’s impossible, but I’m here to tell you that you can control spending easily. The first step to doing that is to know what you spend. Make sense? Now, if you are sick and tired of hearing me suggest that you use software like You Need A Budget to track your spending, […]