As the years go by, it seems we have all been buying more and more into the cliché “bigger is better”. I have to admit, I wouldn’t refuse a bigger paycheck each week, or a bigger piece of mom’s apple pie after dinner, but there are lots of other instances where bigger can create other issues that may lead you to real trouble.
Being just a little practical and more conservative financially can give you mounds of money that can be used for real life priorities, like retirement, long-term healthcare, and life insurance as well as investing in your future. I’m not a scientist, but I’ve come up with a scientific formula that I wish I had developed years ago: Continue reading
With the spring weather finally coming to the northeast, I can see things are beginning to sprout and grow around here, from the green buds on the trees and bushes to the yellow blooms of the daffodils and forsythia. Many people are turning their attention to gardening and landscaping, and the retailers and nurseries are ready to take your money today, with one retailer even calling it “spring black Friday” (shouldn’t that be “spring green Friday”?). While I tend to have a brown thumb when it comes to growing plants, I have a green thumb when it comes to saving money. Lots of people enjoy gardening, but they can save money at the same time by growing their food and saving on groceries.
If you don’t have a large-sized property, you might be thinking gardening isn’t for you. But all it takes is a small bit of land, Continue reading
By the latest estimates, there are approximately 80 million millennials in the United States today. You may call them “Gen Y” or some other name, but they are the 18-32 year olds that are typically college-educated, technology-oriented and entering (or trying to enter) corporate life. They are socially astute media hounds who are tweeting away hourly with their cohorts. They have many advantages that I never did as I started out as a new member of the workforce. But I do have some advice for those millennials who are reading along.
The truth is that if you are a member of Generation Y, you probably don’t know where your money goes. Continue reading
Technology is a great and fascinating tool that is just waiting for you to take full advantage of its potential . You obviously have access to the internet if you’re reading this, so step #1 get access to the internet…mission accomplished! Beyond some of the basics you use the internet for, like reading the news, checking up on the latest sports scores, looking at the weather forecast and soaking up the latest gossip, there are so many ways to improve your circumstances, through information and education. But have you ever thought about the ways the internet can specifically help your finances? Perhaps we’ve just taken them for granted. Here’s a short list of ways that will have you smiling every time you hear the cha-ching of your wealth increasing thanks to the internet, whether it helps you make, save, or manage money.
Spring has finally sprung! And not a moment too soon, especially for those of us in the northeast US and other areas recently covered with snow. Whether you’re looking to finally emerge outdoors, or you’re dealing with April showers, there are plenty of free and frugal things to do this spring to keep you and your family entertained.
Haven’t we all dreamed that one day we’ll hit the big one? Buy a lottery ticket and get that million dollar jackpot? If only it was our lucky day (sigh), that’s all we need to turn the ship around and sail into that beautiful harbor of the rich and famous. Is it really luck that makes people rich? I don’t think so and if you think about it seriously, you’ll know that isn’t the way millionaires make it.
Rich people are a minority and there are good reasons for that. They do things and act differently than the average person. The habits of the rich breed success and wealth. Your chances of becoming rich aren’t guaranteed, but your chances are better if you emulate the rich in their success-breeding habits, even just a little. Continue reading
Recently, I saw this advertisement (from last year) about finding a financial advisor you can trust:
I think it’s quite clever and delivers home the point that a reliable and trustworthy financial advisor needs to do more than just “look the part”. If you’re going to follow someone’s advice on your finances, you need to be sure that advice will be worth it and keep your best interest in mind. But how do you determine if you’ve found the right advisor for you? Continue reading
I often wonder if every family realizes the importance of teaching the kids about handling money. Money certainly is a topic that comes up every day, and when your kids reach a certain age, they should be included in the process that can teach them how it’s earned, spent, saved, and donated to help others and worthy causes.
Children are most likely to be receptive to this kind of education at an earlier age rather than later. Teenagers, for example, think they already know everything there is to know, have a competitive mindset when it comes to status with their peers, and certainly mom and dad can’t really teach them about much, can they? Young children are constantly absorbing and asking questions and being curious about everything. Money is no exception. Continue reading
It’s now March and the snow has finally melted and the skies seem to be turning much bluer and the temperatures are warmer than just a few short days ago. Spring is finally sprung and with that thought my mind is now drifting to what it always does this time each year: Baseball.
As I dwell on it just a bit more, I am reminded how baseball is just like life itself. Continue reading
Who would have believed 25 years ago that the smartphone would be as commonly found in your pocket as wearing shoes each day on your feet? I know I never dreamed of being accessible 24/7 by phone and have the data resources available at my fingertips to settle a bar bet, compare prices while out shopping, or find my way home when driving and lost. But we live in a world where technology is king, and to support that king, we have to pay our dollars in tribute. It’s not really much of a choice whether or not to have a phone, but mostly a necessity these days. That’s why you have to do your due diligence to find the best affordable deal for you and your family.