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Home Maintenance Fund

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Emergency funds. Safety funds. Cash on hand. Whatever name you call it, we settle our financial affairs in cash.

I’ve stated emergency funds are the center piece of having your financial life together. It’s there in case things go wrong or something major breaks and needs replacement. It’s there to prevent you from going into debt to pay for something that needs immediate replacing.

Whatever your emergency fund is designed for, be sure to include a little extra on top to handle routine maintenance on your home. Continue reading Home Maintenance Fund

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Notes to My Younger Self

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I thought about writing a letter to my younger self for a while. I’ve made many mistakes over the years and sometimes wish I had a do over.

But at what age would I get this letter? 18? 21? 25? Would I even be mature enough to handle it? Obviously I think a lot differently at an almost 40 years of age than 18 or even 25. Would I come off as too omniscient? Would I sound like I’m talking down to myself?

What things would I have changed and what would I have like to stay the same? I mean, I am who I am today because of my past, but that doesn’t mean I wouldn’t like a do over from time to time. Continue reading Notes to My Younger Self

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3 Destroyers of Wealth

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Sometimes it’s hard to get ahead. Sometimes your financial goals take forever to accomplish. Staying the course is a challenge. You know you need to build some kind of wealth, but time goes by and you still haven’t made a plan.

The problem is that you think there’s always tomorrow. The reality is that tomorrow always brings something new for you to deal with and that something usually takes money.

The biggest problem with all of this is time. Before you know it, you start wondering why your finances aren’t where they should be and you need to do something about it to ensure a future.

These are three things that hold you back and ultimately destroy your wealth as time goes on. Continue reading 3 Destroyers of Wealth

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Earn. Save. Invest.

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Earning, saving, and investing, are the three mantra’s of stacking dollars. Also known as building wealth, these three words sound so simple, yet many find so hard to pull off. Earning may be hard to do more of. Saving is almost non-existent in America. Investing is a scary process for the average person. However, these three words will lead your financial freedom or at the very least a nice retirement. Continue reading Earn. Save. Invest.

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What’s Your Plan?

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It’s 2am. Do you know where your finances are right now?

Is what keeping you up at night because of your nonexistent savings? Deep in credit card debt? Drowning in student loans? You haven’t started your 401k program and wonder if you have enough time to build a nest egg?

We all have these worries. I used to worry about different financial concerns constantly. Continue reading What’s Your Plan?

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5 Ways to Build An Emergency Fund

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The struggle is real. I know. It’s a daunting task to build an emergency fund. It’s seems like a big amount in which you can contribute so little that takes too long. I know the feeling. With time and consistency to your plan, you WILL accomplish your goal. Here are five tips (and a bonus!) to help you generate a few ideas to grow your emergency fund a little faster. Continue reading 5 Ways to Build An Emergency Fund

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I Cut the Cord

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One of my goals for 2016 was to be able to cut the cord. What this means is that I get rid of traditional, expensive cable service, provided by Comcast.

I’ve been thinking about going cordless for a while. I’ve had AT&T’s U-Verse service for several years, but I switched to Comcast for their faster and better internet service two years ago. Of course, Comcast required me to be under contract for 2 years. The first year had a great incentive for around $100, then the price jumped a bit for the second year. Now that my second year is up, the price jumped drastically to the tune of over $200 a month. That’s almost double the price I started with! Continue reading I Cut the Cord