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…

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…

financial windfall

The $600 Financial Windfall You Are Missing Out On

What if I tell you that you could put $600 into your pocket every year going forward without having to pick up more work or cut expenses?  That, quite to the contrary, you would have to work less.  Would you call me crazy, delusional, or something a bit more colorful?  There is one financial windfall in life we all can’t seem to help themselves but lose every year. The $600 Financial Windfall Waiting For You continue reading…

tricked into buying more

Surprise! We are all being tricked into buying more than we want!

Have you lately walked into Target, Costco, or really any other store with one item on the list?  How many items did you walk out with?  Odds are, more than the one on the list.  As it turns out, this isn’t your fault at all.  You are being tricked into buying more than you actually want! To make things even worse, we are being tricked into buying more things with more than one tactic.  So continue reading…

Can you guess how much time is wasted on watching TV

Can you guess how much time is wasted on watching TV?

Have you ever gone on vacation or into a weekend with a list of accomplishments all laid out?  I did this past week and, to be completely honest, accomplished close to nothing.  What was the culprit?  TV!  In particular, how much time is wasted on watching TV. The average person watches 15+ hours of TV per week.  And that is regular programming only.  It does not take into account the additional 10+ hours per week continue reading…

patience for financial independence

Let’s all acquire the patience for financial independence together!

The personal finance blogging community has been the greatest experiences of my life (so far).  And I love to give shout outs to those who inspire me on my journey so they can inspire you as well.  Today I want to highlight a post from Financial Samurai, a well-known presence in the community. He recently wrote about fear.  Particularly, how it enabled him to become who he is and accomplish what he has already accomplished continue reading…

Uncovered ... The Frugal Habits Of The Millionaire Next Door

Uncovered … The Frugal Habits Of The Millionaire Next Door

I don’t know about you, but I like to be in good company.  And there is a particular type of “company” I am currently working on joining eventually down the road – The Millionaire Club.  To get there, I have been diligently chipping away at my goal by adopting the frugal habits of the millionaire next door. Keeping such company can, at first, sound a bit shallow.  I by no means picture myself in a continue reading…

All the Money and Life Lessons I would give my younger self

All the Money and Life Lessons I would give my younger self…

Most recently, another birthday has passed me by.  And on this particular day, I tend to reflect on the past years and what I wish for in the future.  This might be a side effect of getting older.  But no matter what the cause, I believe self-reflection can be a great way to start a new year.  This year, in particular, I was by thinking about the money and life lessons I would give my continue reading…

04212017 - As cute as they are ... what is the cost of owning a cat

As cute as they are … what is the cost of owning a cat?

Over my years of owning cats – yes, that’s plural – many of my friends have asked me whether my furry monsters are actually burning a hole in my wallet.  And my answer has always been one thing and one thing only.  “Not if you do it the right way!”  Before we jump into the actual cost of owning a cat, let me introduce the Financial Muse furry family. Marshmellow (yes, with an “e”, because continue reading…

Financial Muse Annual Bonus Cash

Jeeze it is tough to be responsible with “The” annual bonus

Annual bonuses are awesome!  I mean, who wouldn’t like to receive an extra stash of cash to do with whatever you please.  And honestly, at 10+ years into my finance career, this is the first job I have that actually pays its employees an annual bonus.  And I am not going to lie … it is not something I want to go without for the rest of my career. Cue the “Annual Bonus” moment of continue reading…