The Dollar
Not all debt is bad, but when debt is bad, boy is it bad. It serves as a ball and chain that can put you at risk of sinking down a financial hole if you’re unable to keep up with it. However, even when you are able to keep up with payments, it can prevent […]
Do you have a household budget? If not, you’re not alone. Only 41% of people follow a budget, according to a study by U.S. Bank. Dave Ramsey, Suze Orman, and all the other personal finance gurus have a lot to say about getting out of debt and budgeting. And, rightly so. But tracking your expenses […]
In the United States, we’ve never been accused of leading the world in money management. In fact, the cheap availability of credit, coupled with bad spending habits and a lackluster education system, has left personal finance and money management as a distant priority. Typical money statistics help prove that – even in this wonderful economy, […]
If you consider how much time we spend in our cars, it should be no wonder how impactful that time is on our pocketbooks. In case you’re wondering, Americans spend 70 billion hours in a car each and every year. Umm, wow. That’s an incredible number. And, the more we can do to improve our […]
Are you looking for some quick cash? Who wouldn’t like a little more wiggle room in their budget? A lot has been written about subscription boxes, morning lattes, and ditching cable to save money. However, cable bills and coffee shops are not where most Americans waste the majority of their money. The biggest budget-busting bullies […]
In 2019, Americans are expected to break records with Back to School spending – that is according to a study by the National Retail Foundation. “Families with children in elementary school through high school plan to spend an average of $696.70. That’s up from $684.79 last year,” the study found. Those families with college-aged kids […]
There’s no question that the last several years have ushered in amazing gains in real estate and the stock market. People are making money hand over fist. That part’s great. But, there’s also no question that it won’t last forever. Google S & P 500 graph and you’ll get a pretty picture (literally): Since 2016, […]
Practically everyone is familiar with the role of a Chief Executive Officer (CEO). Most companies will have someone in charge to help manage the organization, and that’s typically the CEO. A CEO is a generalist type of role. This means they’re involved in all aspects of an organization but leave the expertise or detail […]
Over the years of studying personal finance, I am more convinced than effort that saving money is an art as much as it is a science. But, I am consistently amazed at the ways people find to spend (aka: waste) their hard-earned dollars on a daily basis. Whether it’s spending $1.50 on a 20 oz. […]
Building wealth takes a lot of time. High incomes definitely help speed up the process, but believe it or not, we don’t all need to earn big money to build serious wealth. To build wealth, it takes discipline and determination. It’s more of a thought process – or mind game, than anything else. And, wealth […]