freezing your credit has never been so easy

Freezing Your Credit Report Has Never Been So Easy

This past month, Equifax caused one of the worst data breaches of all times.  It lasted from mid-May through July and affected 143 million people. To make matters worse, the public wasn’t informed of the breach until September.  Thanks, Equifax, one of three credit bureaus we have no choice but to work with. Instead of going off on yet another tantrum about their carelessness with crucial customer data, I much prefer to talk about the continue reading…

This One Single Item Can Make Your Costco Membership Fee Worthwhile

This One Single Item Can Make Your Costco Membership Fee Worthwhile

I have long been questioning the point of paying for the privilege to shop.  Handing over hard earned money for absolutely nothing in return except for being able to step inside seems a bit looney.  After all, enough stores let you in for free! Costco is a prime example.  For $60 a year you will receive nothing but the privilege of stepping into their store.  Although I have been a loyal customer for a number continue reading…

3rd Quarter 2017 Spending

Expense Tracking Update – 3rd Quarter 2017 Spending Hits and Misses

What I dreaded at first, has become quite the quarterly challenge.  Yes, I am talking about tracking my expenses.  A few years ago, I would have never thought about or done anything about it.  But since tracking my expenses for all of 2016 and discovering several eye-opening expense drains, I am now a believer!  Deep down I hope that putting my expenses out there and documenting my progress will turn you into an expense tracking believer as well. continue reading…

retirement account in disguise

HSA – The Retirement Account In Disguise

Soon enough, it will be that time of the year again.  No, I am not talking about Christmas.  The jolly “old” man will be headed our way soon enough in a few months from now. Until then, most employers will enter into “open enrollment period”.  And us employees will have the change to either re-confirm or change our insurance plan and benefits. So this is the perfect time to talk about THE retirement account in disguise! continue reading…

is cutting cable tv worth it popcorn

Is Cutting Cable TV Worth It?

When one has to choose between the Big Bang Theory, Billions or the latest (and amazing) season of Games of Thrones, cutting cable TV can seem unfathomable.  But – yes there is a but – what if cutting cable TV can save you hundreds, thousands, or even more? The Cost Gain Of Cutting Cable TV The average monthly cost of cable TV is $70.  If that seems low to you, you are correct!  The $70 covers continue reading…

credit data breach

Equifax Credit Data Breach: Protect Yourself!

If you have followed the news over the past few days, you are probably as worried as I am.  Equifax suffered a credit data breach starting mid-May through July 2017.  143 million people are likely affected and the news didn’t break until now. Message from Rick Smith, Chairman and CEO of Equifax Cyber attacks are scary!  There is no need to beat around the bush.  Having important information such as your name, birth date, address, continue reading…

how long will your retirement savings last how to not run out of money

How long will your retirement savings last? Wonder no longer…

How long will your retirement savings last?  A question easy to lose sight of.  After all, we are busy climbing the Mount Everest of retirement by earning and saving as much as we can.  All to reach the FI/RE summit. Asking ourselves how long our savings will last is just as important as FI/REing in the first place.  What is the point of it all if we run out of cash and have to go continue reading…

buying cat food post pic

Are you going broke buying cat food? Here is how to spend $100 a year per cat ONLY!

Are you going broke buying cat food?  If the answer is yes, you have come to the right place.  I spend only $100 per year for each of my (two) cats and you can do the same! From one cat lover to another, let’s confess.  We would do anything for them, right?  From toys to snacks and food, the goal is to make the furballs happy.  But this doesn’t have to become a major expense. continue reading…

Financial Muse Six Month Blogversary

Financial Muse … Six Month Blogversary

This past week, Financial Muse celebrated its six month blogversary.  And it is hard to believe how fast time has flown by.  At first, blogging can sound like such a lonely activity, but it is actually everything but. I have met many fantastic people from the personal finance community (and even a know-it-all troll).  All of who have taught me so much about themselves and what personal finance means to them (aside from the troll of continue reading…

how I doubled my income in 4 years

How I Doubled My Income In 4 Years

There are two ways to reach your financial goals, no matter what they might be.  Do you want a solid emergency fund?  Max out your retirement accounts?  Invest any disposable income of yours? Any financial goals you have can be reached by either minimizing your expenses or raising your income.  For quicker and even more impactful results, combining both is the golden ticket. Turning 30 a few years back had me reevaluate my career choices. continue reading…