40 Easy Ways to Save Money Right Now!

Is there something wrong with obsessing over dollars? If so, I’m guilty as charged. After all, they can add up to real savings. I can’t help myself from thinking of all the ways I can avoid wasting money and I definitely want to pass my ideas on to you. I’d use the phrase “pay it forward”, but I’m just too frugal to pay anything I don’t have to!

40 Easy Ways to Save Money Right Now!
And it’s not just about the money you save. It’s about making that money work for you to earn even more, and what that money can do for you. Maybe you want to pay down debt, or have more security, or you’re saving up for a trip or some other goal. Whatever the reason, making small, simple changes to your everyday expenses can add up and make a real difference.Continue reading“40 Easy Ways to Save Money Right Now!”

How Turmoil in the US Stock Market Affects Everyday Life

Over the past several weeks, the US stock market has been bouncing up and down like it hasn’t done since the recession back in 2008. The daily swings and huge one-day drops and gains in the major markets have caused a lot of speculation and even panic as the bull market that saw the Dow Jones Industrial Average rise to a record 18000.00+ has transitioned to a bear market falling to as low as 14750.00 during that time period (minus about 20%).

How Turmoil in the US Stock Market Affects Everyday Life

The causes of this volatility are being called by some experts “a market correction”, which periodically occurs after large gains are made and profits are taken by investors. The US market has also been heavily influenced by other world markets, most recently the decline in China and Japan. Our market had been gaining now for years since 2008 and had reached all-time highs just very recently. But the beginning of “bear market conditions” can be a longer term activity than a correction indicates and if that’s what is happening, it can affect you whether or not you are an investor.Continue reading“How Turmoil in the US Stock Market Affects Everyday Life”

Every Day Is Sunday (or What Does Retirement Really Look Like?)

So many personal finance bloggers that I read each week write about the things you need to do to help you prepare for your retirement. I have done it myself. Those blog posts are very helpful in letting you know what you will need as income, how to estimate your after-retirement expenses, and talk a lot about how you can begin preparing really early in your career in order to maximize your own situation. In the case of younger retirees, the emphasis is usually on financial independence and “early retirement”. For many of us, however, retirement will come along in our later years, the 50’s, 60’s or even 70’s. At 66, I’ve been fully retired for a couple of years.

Every Day Is Sunday or What Does Retirement Really Look Like?

Rarely, however, do you hear from retirees on the realties of retirement: what do they actually do when they retire? and what did they do right and wrong to prepare for it? Since I am retired, and I’m also a blogger, I thought I’d tell you what I know and have learned as a retiree.Continue reading“Every Day Is Sunday (or What Does Retirement Really Look Like?)”

Divorce: Minimizing the Financial Impact

We all have the right to be happy, especially when it comes to marriage and family. Unfortunately, it just doesn’t always work out quite that way. Just because it hasn’t happened to you, don’t think that it can’t or that in some ways you may be different or immune. I personally have been through it, getting divorced in 1998 after 25 years of marriage, and I never imagined it would happen to me. I can tell you that from what I know and have experienced, that no matter whether the divorce was your idea or your spouse’s, there really are no winners in a divorce. In fact, the emotional stress as well as the financial stress can be a real wallop to each party, and can damage and impair both sides from the quick and successful recovery that each person truly seeks.

Divorce: Minimizing the Financial Impact

There are some ways to minimize those stresses, but first let me share with you what has changed about divorce recently.Continue reading“Divorce: Minimizing the Financial Impact”

Simple Daily Steps to Success

I have written several times about success, both financial and personal. We all feel that those are important and make us feel better about ourselves. There is, however, a real misconception out there than in order to be a success at work, relationships, and life in general that you have to be smarter, luckier, or know someone to ensure that you are successful. While that does happen, I’m here to tell you that long-term success is actually built on a series of habits that are extremely simple to understand and implement. In fact, most successful people do them routinely every day of the week!  Try to emulate these behaviors and soon you will be on your way to both a successful and happy financial life.

Simple Daily Steps to Success

Here are some simple daily steps to success that will help you on your way to reach your goals:Continue reading“Simple Daily Steps to Success”

A Dozen Cheap Date Ideas

If you’re on a tight budget, or you’re trying to pay down debt or take care of some other financial goals, it can be a challenge to enjoy an active social life, particularly if you are single and looking to find a romantic partner. When most people think of a first date, dinner at a restaurant is probably the most common image that springs to mind. I remember after my divorce when I first got back into the dating game, I would take each new lady out for a nice evening meal and the costs added up quickly while the connections didn’t always last. Ouch!

A Dozen Cheap Date Ideas

There are ways to dine out affordably, but you might not want to pull your coupons out on a first date. Dating is filled with enough etiquette-related and emotional landmines without also having to worry that your date thinks you’re cheap. So how can you show a potential new love interest a good time without spending a fortune? Here are a dozen cheap date ideas that are still enjoyable, fun or romantic.Continue reading“A Dozen Cheap Date Ideas”

How 10 Productive Minutes Can Change Your World

Ten minutes isn’t really a very long time. It’s less time than it takes to play a quarter in a pro football game. You can listen to 2½ songs on the radio in 10 minutes. It’s even less time than it takes you to read your daily e-mails. In other words, it’s just a few minutes, but oh how great it is to have such an opportunity to increase your productivity, save money, build relationships, and move forward in that brief time period.

How 10 Productive Minutes Can Change Your World

If you try some of these ideas, I think you’ll agree that these 10 minutes could wind up being the most productive 10 minutes of the day, starting today!Continue reading“How 10 Productive Minutes Can Change Your World”

Why Do We Still Step Foot Inside the Bank?

I have worked for several large banks in my lifetime, and frankly, I have always wondered why people go to the bank. Since the early 1990’s, most people have had many options to save, get, borrow, or invest their money without setting foot inside a brick-and-mortar bank.

Why Do We Still Step Foot Inside the Bank?

Some of those options include ATM’s for quick cash and deposits. Online banking for virtually everything else you need including investments, loans, and opening/closing accounts. Telephone banking with toll-free numbers which allow banking for all the same needs and wants. Direct deposits for your paychecks and social security benefits. And now, there are smartphone apps that enable you to do it all, even taking a photo of your checks and depositing them from wherever you may be at the moment.Continue reading“Why Do We Still Step Foot Inside the Bank?”