Contractors Aren’t Employees, so if You’re a Contractor or Freelancer, Don’t Count on Your Clients to Look Out for You She wrote with exquisite, even painful, candor and vulnerability of how she was betrayed, when her direct client failed to pay what she was owed. “…all came crashing to a halt when the money I was […]
Saving Now Saves Your Future Self Twice You’ve heard before that you have to set money aside — money for emergencies, for buying a car or house, for a kid’s college education, and for retirement. This is hardly news. What you may not have heard before is that setting that money aside helps your future self […]
Money. It may make the world go ‘round, but for most of us, it also triggers negative feelings. Shame. Guilt. Obsession. Blame. Fear. It’s no wonder more than two-thirds of couples regularly argue about it and it’s one of the main contributing causes to divorce. Partners accuse each other of frivolous spending, out-of-control credit card […]
Archimedes once said, “Give me a lever long enough and a fulcrum on which to place it, and I shall move the world.” Making the right choices consistently will move your world.
Food is the average families third largest expense, behind housing and transportation. Given how big of an expense it is, and how easily we can control this expense I have decided to dedicate more time discussing our food budget.
We all know we should cook more meals at home. We acknowledge it would be better for our health and better for our finances if we cooked more of our meals at home, but we don’t. We are only human, so as much as we declare our intention to cook more and eat out less, we rarely follow through.
The big 3 Housing, transportation, and food account for more than 60% of the average household budget. That is why whenever I talk about budgeting, I lump these expenses into one category that I call “the big 3”. While it is important to get a handle on all of “the big 3” expenses, in this article, […]
I am a big believer in the idea that we should all be more comfortable talking about money and finances. It’s difficult to improve your financial situation if you don’t talk through your issues with people that might be able to help you. One of the reasons people don’t talk about financial issues more is […]
The Automatic Millionaire by David Bach was one of the first personal finance books I ever read. It’s a fairly easy read with some very practical lessons. The book has three major concepts that are still very relevant nearly 14 years after it’s initial release. Pay yourself first Put it on automatic The “latte factor” Pay […]