There are any number of ways to improve your personal finances but out of all methods budgeting stands alone as one of the most important aspects of building up your own personal wealth. The most important part of a budget is for it to be realistic. Budget guidelines are great, but you aren’t expected to …
My hubby and I are in a fun financial position at the moment. By the end of September we will fully fund or emergency fund. Which means we will have 6 months of expenses specifically set aside for job loss or other unexpected event. We will then take the money we are currently saving into …
Pay Off Rental Property or Save For The Next One? Read More »
I needed a new phone for work. I’m still smack dab in the middle of 2 year contract so my phone upgrade time is still significant. So what’s a girl to do? Time to look for a way to upgrade my phone. (Update – we prefer Republic Wireless to BLU Phones) My requirements: New Good …
You know that the earlier you start saving for retirement the easier it is right? Not only do you have that many more months to save you also have that much more time in the markets. Time does amazing things to money. Imagine if you got started saving as a kid? One of my friends …
In the late summer of 2010 we paid off my minivan. The payment was $460 per month. Instead of just absorbing that money into our monthly budget we opened a separate savings account and continued to make that payment to ourselves. In Feb of 2012 we had enough in that savings account to pay off …
Well, I don’t HATE coupons, but I’m actually not a big fan of them. Don’t freak out! Let me explain. Coupons encourage shopping, and when you are shopping, you are spending money. I can hear you now, “But when I use a coupon I’m saving money!” If you are using the coupon to buy something …
