screwed up your finances

So you’ve screwed up your finances! Now what?

The personal finance blogosphere appears to have gained some serious traction over the past decade.  Blogs, such as this one, are aiming to help you and all others out there in the internet universe avoid the personal finance pitfalls life has so carefully laid out for us. This help may come in forms of posts about expense tracking and budgeting.  Or about investing in retirement funds at work as well as on your own via continue reading…

Personal Savings Rate Goal Pic

How to outmaneuver the expense creep and hack your personal savings rate goal!

Many of us have all the right intentions.  Up our retirement contribution percentages.  Build an emergency fund.  Pay down our student loans and credit card debt.  All great things until the expense creep comes knocking. By the time rent, mortgages, groceries, and other bills have been settled, how much money is really left over to bring all those good intentions come to life?  So on we go, hoping to make it happen with the next continue reading…

Emergency funds make emergencies look like a joke

Emergency funds make emergencies look like a joke!

At one point or another in life, we have all felt the anxiety that comes along with kick in the pants life events.  I am thinking of cars breaking down, the hot water heater breaking, job loss…  The list goes on and on.  But today we’ll tackle a surefire way to kick this list up the curb.  How?  With emergency funds! How emergency funds make emergencies look like a joke! Let’s paint this picture differently. continue reading…

Financial Muse Piggy Bank Budgeting

Budgeting – Be your money’s boss

It is budgeting time!  Now, you might ask yourself why.  After all, you did just work yourself through last year’s spending and set up your expense tracker for this year.  Good job on that by the way 🙂 If all this sounds like a foreign language to you, start here and here! To get the most out of your hard work, today we will set up a budget to go along with our monthly expense continue reading…

Financial Muse expense tracking excel templates

Expense Tracking Excel Templates – Unleash the Rockstar in You

Money talks and it is time to have it stop saying “goodbye”.  How?  Via expense tracking Excel templates, which will help you keep your money in-house vs. it flying out the door without you realizing until the door slams shut. Last week we mused about tracking our spending and what surprises can await when totaling up last year’s expenses.  Start here to read the first post and come back to follow it up with this one. continue reading…

Financial Muse Expense Tracking

Expense Tracking – more exciting than you think

The key to financial success seems to be knowing where you spend your money.  No-brainer, right?  Well, this particular CPA doesn’t participate in the exciting world of expense tracking … until now.  Shocking, I know. Thinking back, expense tracking was never a much-stressed topic while growing up.  Quite frankly, it wasn’t a topic at all.  My parents didn’t track their expenses and it certainly wasn’t a subject taught in school no matter how much I’d continue reading…