If you’re like me, you’re always looking for the best way to manage what you have and what you’re responsible for. And let’s be honest, there are very few things that will thrive if they’re completely left alone anyway. Houses have to be lived in and cleaned. Plants have to be watered and exposed to the sun. Vehicles have to be driven, even if just once every week or two. Lawns have to be mowed. You have to eat nutritious food, drink water, wash your body, and brush your teeth. Because what happens when these things don’t happen? Things fall apart, they breakdown, or get out of control. There is chaos and even sometimes decay or death when things are not managed or not managed properly. Don’t think of your finances as any different. Take care of it, manage it well, get advice and seek help when there’s something you don’t know how to do. If you leave your finances alone, you might be dealing with chaos later.Continue reading “Different Ways to Use Your Tax Refund or Stimulus Check”
Hi guys! Have you ever watched a house being built? I’ve seen some interesting ways that modular homes can come together, but if you think about a traditional home or a cabin, there is beauty in watching it slowly come together over time (think Building Off The Grid on DIY Network). Things start fairly small, getting plans and materials together, then slowly and carefully executing until one day, you have a home. I’m giving a very general overview of all of this, but I want you to remember something: solid homes are not built in a day. It’s a process that starts small and progresses until the goal is reached. Keep this in mind, then think about your finances.Continue reading “7 Ways to Make More Money Today”
Hi guys! I wanted to do something a little different today and give you a tool that you can use to help customize your budget. It’s nothing fancy, but it works for me. You know how much money is coming in, and by now, you should know how much money is going out. Let’s start telling it where to go instead of wondering where it went.Continue reading “Budgeting Basics”
Hi guys! Let’s spend a little more time talking about emergency funds. I have to admit, I wasn’t clear on what an emergency fund was until just a few years ago. I had a savings account and I knew that it was important to set money aside, but I wasn’t assigning any real roles or purpose to my account. Believe it or not, an emergency fund and a savings account are not the same thing.Continue reading “Breaking Down The Emergency Fund”
Hi guys! OK, it’s been about three weeks since you’ve started tracking your expenses. You’ve had a little time to look at your current spending habits and see where your money is actually going. Is it what you expected? Are you totally surprised? Chances are, this exercise was eye-opening, even if just a little bit, but that was the point. For you to see exactly where you are. Now, let’s move on to the next step… building a little cushion.Continue reading “Rainy Days”
Hi guys! To get a good foundation on our finances, we need to do one more important thing: a check-up. Yep, your finances need to have check-ups too. One thing that was very apparent in 2020 was that the vast majority of us were not in good financial health, and a lot of people are still feeling those affects. Incomes have changed, living situations have changed, and for many families, medical expenses have changed as well. I think most people genuinely want to get a good handle on their financial situations but just don’t know where to start.Continue reading “Financial Check-Up: Where are you now?”
Continue reading “Where do you want to be?”
Hi guys! One of the biggest lessons that I learned from 2020 is the importance of good financial planning. So many people found themselves in situations that they never thought they would. Losing their jobs not only meant losing their income. It meant losing their insurance, their homes, their vehicles, their freedom and more. I’ve heard it said a thousand and one times throughout the past year: one source of income is not enough. But what do you do if one source of income is all you have?