Use a programmable thermostat and save money A programmable thermostat can help save money. According to “Credit Donkey” the average American family spends $1200 a year on electricity. Much of that electricity goes specifically to heat and cool our homes.… Continue Reading
Is Instant Gratification Ruining Your Budget? Who seeks instant gratification? Most people is the answer. Who doesn’t appreciate getting the satisfaction—pleasure—of having a desire fulfilled sooner rather than later? Instant gratification could be ruining your budget. Instant gratification could be… Continue Reading
How To Use Sinking Funds The average budget covers saving for known short to long-term events that occur regularly (buying groceries, making car payments, paying utility bills, etc.). That makes most budgets incomplete. You have many needs that (timewise) are… Continue Reading
I Blew My Budget Now What You’ve got your plan and you live on a budget. You do the best you can. Most of the time, it’s fairly easy, but eventually something will go wrong. I’m not being negative. I’m… Continue Reading
What is a 401(k) Do you know what a 401 k plan is? Sometimes called a 401(k). Here’s the reason I’m asking: Not long ago I was sitting in Starbucks enjoying a coffee. (If you’ve read some of my early… Continue Reading
11 Ways To Help You Avoid Buyer’s Remorse Buyer’s remorse is the feeling of regret after you have made a purchase. Maybe you don’t want it, or maybe you were pushed into it by an over-aggressive salesperson, or maybe you… Continue Reading
Why Your Net Worth Is Important How much are you worth? If you sold everything you own, cashed out all of your investments, and paid off all of your bills, what would you have left over? That amount is your… Continue Reading
How to improve your credit score Not long ago, I was asked: Is there is there a way to quickly improve my credit score? The person asking wanted to buy a new car. He “needed” a loan, and the interest… Continue Reading
How to repair your credit yourself Most people accept that their credit report is very important. That means their credit score is also very important. It’s more important than “will I be able to buy this car or this house”.… Continue Reading
How to start an emergency fund Most people know they need to have money set aside for an emergency. It’s good they know it, but there’s a downside. Most people are already strapped for money. They can’t see a way… Continue Reading