Usually what I write on this blog centers around what I know. But I don’t know everything, in fact, there’s a whole lot I don’t know. Surprised to hear me admit that? As much as I enjoying telling anyone who will read or listen about everything I know, there is plenty I don’t know or understand. Some things are easy to find out and learn, from life experience, formal education, or learning from observation. But many others seem to be part of the “eternal mysteries of life”.
Today I’m going to share with you some of those mysteries, at least from my point of view: Continue reading
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.
There are some ways to minimize those stresses, but first let me share with you what has changed about divorce recently. Continue reading
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.
Here are some simple daily steps to success that will help you on your way to reach your goals: Continue reading
One of the things I do nearly ever time I travel is to rent a car. It sounds like a good idea to get around town more easily wherever I’m visiting and sometimes it’s even an absolute necessity! But then I start to calculate the costs involved. That’s the catch for a frugal person like me, and that is when I begin to look for as many ways as possible to save on car rentals.
How to Save Money on Car Rentals
Here are some important points for any traveler to consider: Continue reading
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!
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
Believe it or not, I remember a time when television was black and white and the channels stopped airing programs for the evening and didn’t resume until the next day. Yes, I was very young as it was a looong time ago, but it happened, I swear! Now we have a gazillion channels to watch round the clock with more programming than we could ever hope to watch in a lifetime. Along with all that content comes a hefty price tag, as having a monthly cable or satellite bill has become fairly universal. “Cutting the cord“, or ditching cable altogether using a combination of newer services and devices, has become a popular way to save money, and it certainly is a viable one. But there may be some good (and not-so-good) reasons for not wanting to cancel your cable package, and there are still ways to cut your cable bill to keep more of your hard-earned money.
First, if you’re considering whether to cut the cord, plug your numbers and selections into this calculator to see whether it makes financial sense. Perhaps your internet costs will increase so much without a “bundle” that it isn’t worth dropping your TV package. Continue reading
It’s the middle of summer and I’ve really been enjoying the beautiful weather lately, lounging at the pool, visiting friends, and that sort of thing. I’d fallen a bit off on my quest for a healthier diet and more exercise, which is incredibly important for my health these days. So with some gentle encouragement from my doctor and my wife, I’ve gotten back to the program with some good results. Can’t let the lazy days of summer get too lazy!
Meanwhile, back at the blog, I’ve been trying out some topics that are a littler further out of the “saving money” box than before. Rest assured, I’ll continue to post about how to save money (it’s a passion of mine!), but building your financial wealth and living the good life involves a lot more than that. Continue reading
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.
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
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.
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
When you’re trying to grow your wealth, you can work on reducing your expenses, increasing your income, or best of all, both. In the quest for greater income, you may be one of the millions of Americans looking for a new job or trying to move up in the company you currently work for. Others are freelancing or starting their own businesses, and meeting with potential clients. Whether it’s a job interview or a meeting with a potential client, there are some key things you can do to improve your fortunes.
I spent many years hiring people from both outside the companies I worked for and within the ranks of employees trying to work their way up the corporate ladder, and I can tell you that there are several ways to stand out and get that job you really want. Continue reading