What’s the trick to getting almost a ten percent return on bonds in 2022? With the stock market S&P500 returning 10 percent yearly, who would buy bonds? Consider this: I- Bonds are returning 9.62 percent! Read this blog to find out what it’s about! What are I Bonds? But what are Inflation Bonds? They’re inflation-fighting,…
To cut the cable is nothing new in paid TV, but maybe you haven’t taken a run at the box, scissors in hand. Perhaps the incentive hasn’t been perfect! Consider this: One reason to cut the cord is the significant amount of available free entertainment. Free entertainment leaves your wallet unscathed and your budget healthy. This blog…
If you buy from a salvage grocery store, understanding expiration dates emerges as a real issue. In this blog, I discuss the pros and cons of buying salvage groceries, and explain the purpose of expiration dates. I am convinced the salvage-grocery-store is a valuable resource if you want to cut spending, but for many shoppers,…
While budgeting in envelopes has been around forever, in the past everyone had their health and a financial future. That’s why this blog is different. It’s addressing a leaner, meaner, disenfranchised audience with a budgeting tactic that works. Here are the steps to using this effective budgeting tool: Look over your budget, then take a…
Using a checkbook app seems obvious — keep track of purchases in close to real-time, as you can in Monefy. But what people miss is the ability to analyze your spending. Find a checkbook app that helps you examine your spending habits, and you could save some bucks! Many checkbook or money register apps on…
Full-time RVing may look attractive whether it’s a budget decision or a retirement choice. Is it easy to live full-time in an RV? I intend this blog to be a good place to start the discussion. RVing offers exciting alternatives if you don’t want a regular life and a regular job. Full-time RVing and tight…
If you want a shortcut to start the budget, budget templates present the best way to get started. In this blog, I’ll demonstrate the mechanics of these free budgeting templates. Microsoft Office, Google Sheets and the Open Office Suite offer a free budget template, and with the templates comes the insight and knowledge to control…
When you start a budget, concepts like “base budgetary needs” and “existing income” comes up! Who gets this stuff? Sure, you could wing it, but this is the place to start if you want to understand a personal finance budget. A budget provides a path to pursue short and long-term financial goals and, along the way,…
The desire for a reliable game plan during Covid caused many people to compile a Do’s-and-Dont’s list. In this blog, I will discuss things you can do to lessen the effect Covid has on your personal funds, and this is the place to start thinking about a list. Personal Finance: Things to Do 1. Set…
It’s tough to come up with the money for college today, and you could end up looking for a debt payoff app. That makes college investment more literally a buy than it has ever been. How to get a Return on Your Investment This blog will look at four skills to get a return-on-investment from…
