personal-finance

  • Managing Your Spending

    If you’ve been tracking your expenses you may have a good idea of what your spending habits look like. If not, go back to the blog and read Awareness and Budgeting. Most people spend more than they realize on various categories, even after making a budget. But a budget only works if you follow it. Read more

  • Cutting Expenses – Memberships and Subscriptions

    You can literally get a subscription to almost anything these days. Streaming services, apps, food boxes, books, music, movies, and a thousand other services. On sites like Amazon, you can literally turn any purchase into a subscription. They offer discounts for signing up and generally, the cost seems pretty low. “Just $9.95 a month for Read more

  • Cutting Expenses – Insurance

    Insurance isn’t a bad thing, it’s there to protect you and your assets from damage, loss, liability, and a whole list of unforeseen and unplanned events. If something happens and you don’t have insurance, the cost is going to come out of your pocket and if you don’t have the money to cover it, you Read more

  • Budgeting

    Most people associate the word budget with a negative thought. They find the word restricting. They hear it and the cringe. But that’s not what a budget is. Living on a budget is about living within your means. It’s about you being in control. A budget doesn’t mean you don’t have any money. It means Read more

  • Awareness

    The first step in making any change is raising awareness. If I don’t know what the problem is, I can’t do anything about it. That’s where a lot of people, including myself, get stuck. We find ourselves in a situation we don’t know how to handle, let alone how to get out of, and feel Read more