Save Money and Health by Cooking at Home

Would you like to save $440 a month?

  • Chicken Piccata for 3 at Home = $15.  8 Times a month = $120.
  • At a Restaurant is $70 (including soft drinks and tip). 8 times a month = $560.00

No, I'm not eating chicken piccata that often! but you get the idea. In today's world, the convenience of...

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Researching Jobs and Salaries

The professional world offers an extensive array of career paths catering to different interests, skills, and aspirations. Some popular career options include:

YouTube Rock Star: Just kidding. if you want it, go for it. But it does not happen easily.

Information Technology (IT): From software...

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Understand Your Employee Benefits

You can be an employee or a business owner. One of the many benefits of being an employee is the employee benefits. Beyond salaries and wages, most mid-sized organizations offer an array of work benefits to attract and retain top talent. You'll need these benefits to live and plan for the...

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Create an Emergency Fund

Life is unpredictable, and unforeseen emergencies can happen to anyone at any time. The key to navigating through these uncertainties with confidence lies in having an emergency fund. Make this your top priority savings goal for now!

Defining Your Emergency

Emergencies can take various...

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What Are Overdraft Fees?

Overdraft fees are charges imposed by banks when a customer spends more money than is available in their account, resulting in a negative balance. Basically, the banks know most people aren't good at monitoring their Money.  So you can go over, for a fee, which is great for them. This is why...

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Automatically Save 20% of Your Paycheck

In a world filled with constant financial demands and unforeseen expenses, saving money can often seem like an insurmountable task. However, taking control of your financial future doesn't have to be overwhelming. In fact, with a systematic approach and a commitment to change, you can start...

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Considering the Pros and Cons of College

 There is no argument that college offers education, opportunity, and experience. With the rising cost of tuition and the dysfunctional relationship involving colleges, the government, and student debt, you have to question the traditional college path.

The Cost

The cost of college...

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How to NOT use Credit Cards

Credit cards have become an integral part of our modern financial landscape, offering convenience and flexibility. However, despite their widespread use, there are compelling reasons why one should think twice. 

The Basics

Simply review the basics for a healthy reminder of how they work....

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Credit Cards Basics for Everyone

Credit Cards Have Consequences. It's not magic money. It's a loan from a bank, disguised as a convenient shopping tool. You spend, they lend, and you (hopefully) pay it back with interest.  It adds up fast. Ask anyone!

Credit Scores

Using credit builds your credit score. Yes,...

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Understand Your College Loans

Understand the actual cost of your education and your outstanding loans. Understand what you owe.

Login to your Loan account

Everyone should be able to login to the provider account that handles your loans. This is your responsibility. If your parents set it up, ask them to walk through it...

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College: Balance fun and schoolwork

Let's be real, college is a pressure cooker. Grades simmer, social lives bubble, and deadlines explode like confetti cannons. But here's the secret ingredient: you hold the ladle!

Money Talks, Grades Walk (But Don't Let Them Rule)

Yeah, the sticker shock of tuition is enough to make your jaw...

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Build Spending Money for College

Summer break isn't just for Netflix marathons and lounging (although those deserve a gold medal too). It's your golden ticket to financial redemption, a time to turn that frown upside down (and your bank account right-side up!). It's time to unleash your inner financial ninja!

Remember that...

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A Teen's Guide to Building Good Spending Habits

Ever wondered where your hard-earned money disappears to by the end of the month? In this guide, we'll dive into the importance of developing good spending habits, and why reviewing your transactions weekly can be a game-changer in your journey towards financial savvy. Ask an adult how quickly...

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Teens start setting goals to shape your future!

Ever find yourself daydreaming about the future, wondering where life might take you? That's where goals come in—your compass, your roadmap, and your ticket to success. In this guide, we'll explore why setting goals is crucial for you, how they can be the wind in your sails, and why...

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Teens: You should save 50% of your money

Hey, fellow teens! Ever wondered what it would be like to have a pocketful of cash while still making smart financial choices? Welcome to the world of saving! In this guide, we'll explore the game-changing strategy of saving 50% of your pay, the importance of having a linked savings account, and...

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Teens get your first checking account and debit card!

Opening a checking account with a debit card starts the journey toward financial independence and managing your own money. Supervised by a trusted adult, you can open a checking account at your local bank and get your first debit card.

Starting with an Adult’s Guidance

The easiest option is...

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Teens get your first job now!

Embarking on the journey to financial independence is an exciting and empowering step in any teenager's life. Landing your first job not only means having your own money but also opens the door to valuable life skills and experiences. In this guide, we'll walk you through the essential steps to...

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Top 20 Ways to Save Money Now!
  • Ditch Cable TV and Stream!! Save $100 - $150/Month.
  • Review all subscriptions. Cancel what you don't use often.
  • Use Free TV Apps like Freevee, Tubi, and Pluto.
  • Housing is your biggest expense! Either reduce the cost or make it an asset.
  • Shop for new car insurance rates. It is so easy to do...
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Save Money with a Christmas Budget!

Christmas shopping is probably one of the most common ways we end up using our credit cards.  We get caught up in the season and the giving spirit and the good old credit card gives us the flexibility to not worry. "Life is short! What am I working for? I deserve a nice holiday!"...

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Budgeting with Spreadsheets Part 1 & 2

Save more money making a budget with spreadsheets

This takes only 2 MINUTES!!!  Budgeting with Spreadsheets is my favorite way to manage money because it offers me the most control. It is also the easiest way for you to get started with managing your money!  There are plenty of tools...

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My Market Basket Grocery List Template

In New England, we are lucky to have a grocery chain that has been operating since 1917. A family owned business, started in Lowell, MA, and later expanded to 15 stores in 1956 after some celebrated success. They currently have about 90 stores in their chain according to Wikipedia....

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Use a Buffer account instead of Emergency Savings

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Have you ever been to the grocery store and your card gets declined? I have! It sucks! lol… I had to say “I'm sorry I can't pay for this, what do I do?”. Then I wheel my cart over to the customer service, hoping I didn’t see anyone I...

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The #1 reason why you should buy a house or condo

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 Buying a house or condo is the easiest way to accumulate wealth

The number one reason to buy a house or condo is that you are going to get old. Whatever age you are now, hopefully you'll be around a long time and you are going to be old. Housing...

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Planning for Death with a Will or Trust

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When you die it's going to affect people and depending upon how much you plan will affect the mess that you leave behind when you die. A lot of us put this topic off because it can be really difficult. It is not fun to think about death or our mortality....

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Actively Managing Your Money

Listen to this episode here!

Our health is more important than money! If anyone's been sick recently or sick at all for a couple of days you know it gets old really quick, but it's a good reminder to take care of our health and just be grateful. It's way more important than money....

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How is your relationship with money today?

Are you Stressed? Are you often mad because money is tight and you can't make ends meet? Maybe you would love to take a vacation or fix your house and you can't right now. Perhaps you are saving for a car, house, or vacation, and it is taking forever. Or you are behind on bills or racking up...

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Negotiating your salary: Earn $1000 a minute

Don't accept that job offer so quickly! Do not be afraid and leave money on the table. If you are an employee in the private sector, negotiating a salary when accepting an offer is your opportunity to add thousands to your salary and earnings over your career. It's your biggest chance. Once...

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Tracking your spending

Where is your money going? Now that you have created a budget, you want to compare your actual spending to that budget and see how you did. There are all sorts of ways to do this and all sorts of tools that make it easier. 

You DO NOT have to do this all the time or every day.  I...

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What is a Fiduciary?

What is a Fiduciary?

A fiduciary is a financial representative that has your best interest in mind, with unbiased opinion and integrity, to always to do the right thing for your money. You can actually read more mumbo jumbo here.

If you every ask some one to handle your money in any way, ask them...

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A car is not an asset

Cars are not assets. This is a reality check on cars/trucks/etc. Cars are fantastic, don’t get me wrong. They changed our country and offered us a ton of freedom.  But they are simply tools for transportation or vehicles. That’s it. You may or may not need one depending on your...

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The word Budget has a bad reputation

The word Budget has a bad reputation and generally makes people cringe. Here are some examples... “I’m on a tight budget”, “They can’t pass a budget”, “I didn’t budget enough for that”, "there is just not enough in our budget".  No wonder...

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Different types of Retirement and Goals

What will Retirement be like for me? You don't have to focus on golf, volunteering, move to Florida, or stop working. Everyone has different ways they want to spend their time and different financial conditions.

I am sharing this great post because Michael Kitces did a far better job than I...

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Money and Fear

What are you afraid of?

  • I am embarrassed
  • I don’t want to think about it
  • I am not good with numbers
  • I never understood stocks and IRA’s
  • I am afraid to look
  • I don’t know how much I owe
  • I was really bad with money at one point
  • My credit report is in bad shape
  • I had creditors...
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5 Minute 401k and IRA Refresher

A 401k, 403b, and IRA are accounts where you can invest for retirement and benefit from tax savings now. These useless names simply come from the tax code that defines them. Well, IRA means Investment Retirement Account.  That makes sense.

Why is it so great?

Your deposits are tax...

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Reading Your Paycheck and Tax Deductions

When was the last time you looked at your pay stub? Direct Deposit is an amazing thing. Unfortunately, it also promotes complacency.  All you see is the net pay deposited in your account but that is not all the money you earned. If you got paid in a roll of cash, no doubt you would have a...

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Don't forget to celebrate the wins!

Sometimes we get so focused on the big goals we forget to celebrate the small wins. Fact is, you don’t get to the big wins without lots of small wins.  Sometimes there is no big win, just lots of small wins and what happens in between.

Here is a list of acheivements to celebrate....

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Documents you need for your taxes

You need to file taxes every April. Most often, it is April 15.. Yup Taxes Suck. But it’s that time. Here is my list of documents you will need if you are doing your taxes. I create a folder on my computer for every year, and put this list in there, then I can track what documents I have or...

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Are you planning for your Health Insurance deductible?

Make sure you budget for your deductible. These days Health Insurance is getting more and more complicated. Basically, the insurance companies need to offload the cost to you and want to look like they are offering more options. You need to know what your deductible is and your co-insurance cost...

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Teaching your kids to save

If you are looking for ways to help your kids learn how to manage money, a great way is to teach them how to save.

One method I really like is using three separate jars for three separate categories. This way your child learns that some money is for saving, some money is for spending, and some...

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Debit Card Theft - That time I went on a spending spree in Minnesota!

According to my bank account I did. It seems we went to Wendy’s, Burger King, Popeye’s, Motel 6 (ahem), Filled up for Gas in the morning, then headed to   for some more spending. But I wasn’t really there and neither was my wife.  My wife’s debit card...

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The hardest part of taxes.. Documents!

I think the most daunting part of dealing with taxes is the gathering and organizing of documents. For some people this is torture, especially if you are not organized. You should have some sort of filing system where you can track these items throughout the year. At the very least get a folder...

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How does a Will work?

When growing up, you generally learn that you need a will to direct your assets and best wishes when you die.  Even then, many people wait too long to create one or don’t properly maintain them.  Guess what, you might be misunderstanding how they work anyways. Have you ever really...

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How do I file my Taxes?

As as single person, couple, or family, you don’t necessarily have to pay money to file your taxes. Tax laws are free to read, the forms can be downloaded for free, and you can mail them in for the price of postage.  The question is, do you want to pay to make this process easier,...

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Create a budget in 15 minutes on your phone

I tried 4 free apps to see how fast I could set up a budget on my phone. Pocket Expense, Good Budget, Daily Budget, and Fudget. I suggest using Fudget. This is the easiest way to create a budget and view it.  Other apps can be tied to your checking and credit card accounts, show analysis and...

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5 Easy Ways to give more this season!

Tis the season to give a little extra and be grateful. We should do this all the time, but it is easy to forget when we are all struggling in our own ways.  Here are some quick ideas to give without breaking the bank. You'll make someone's day and you'll feel great too. And there are more...

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