5 Simple Steps … And You’ll Avoid The Holiday Shopping Madness

5 Simple Steps … And You’ll Avoid The Holiday Shopping Madness

Odds are the turkey buzz has long worn off now.  It has been two weeks after all.  And at this point, ignoring your holiday shopping list is just not an option anymore.  Bummer! Unless, of course, you’re in love with crowded shopping malls, fighting for parking spaces, and enjoy the seemingly never-ending sales pitch from every store.  In that case, all the power to you. Related: Emotional Spending Triggers and how to avoid them I continue reading…

2018 is right around the corner and here is how we will save thousands in only 12 months!

2018 is right around the corner and here is how we will save thousands in only 12 months!

It is that time of the year again.  Everyone (myself included) is recovering from turkey dinner overload.  All thoughts are turned toward Christmas and what gifts to buy.  And, of course, what shindig to attend for New Year’s Eve. Why not add something else to the list of December activities?  How about what to save money on this coming year.  Of course (as my better half likes to remind me of), without making ourselves miserable continue reading…

retirement vesting

When Quitting Backfires: How To Not Lose Your Retirement Vesting $$$

This past week, I stumbled across an interesting new article about retirement vesting losses.  And it gave me some serious flashback to how I got close to losing $5,000.  I would really like for you not to run the same risk.  So let me explain… A few months ago, I switched jobs for a number of reasons.  For one, my new role pays more and it was a nice career move on top of it.  continue reading…

republican tax plan proposal

Let’s Take Apart The Republican Tax Plan Proposal

The current administration has drawn the curtains on its much talked about Republican tax plan proposal.  The more than ambitious goal is to get the proposal passed before 2018. If that will be the case, and whether all proposed points will be passed, is to be seen.  Nevertheless, let’s take apart the proposal and see what’s in store for us should it get passed as is. The Republican Tax Plan Proposal Tax Brackets The bill continue reading…

Maximum Contribution Limit

Your 401(k) Maximum Contribution Limit Increases By $500 In 2018

Woohoo!  The IRS has announced that, after three “long” years, the 401(k) maximum contribution limit will increase by $500 in 2018.  You can read all about the announcement right here. The catchup contribution of $6,000 per year for folks ages 50 and up will (unfortunately) remain the same in 2018.  Why the government wouldn’t allow for additional savings is puzzling at best. Your 401(k) Maximum Contribution Limit Increases By $500. And, yes, that’s a big deal! continue reading…

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…