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…

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…

stopped buying water

I stopped buying water and it has been the best breakup!

A few months ago, I was hit by what I have started to call the “bottled water trifecta”.  What on earth am I talking about?  Let me explain. 1. I was lugging home a twelve pack of water bottles.  And the entire pack felt as heavy as a ton of bricks, which put me in an incredibly awesome mood.  (*dripping with sarcasm*) 2. That same afternoon, I stumbled upon a YouTube video outlining what would continue reading…

how I lost 25 lbs in 3 months

How I lost 25 lbs in 3 months and saved big bucks in the process!

All across the personal finance blogosphere, you hear a lot of talk about spending less, saving more, and investing for a happy retirement down the road.  What we don’t talk about a lot is how to ensure that we enjoy retirement to the fullest. Part of getting the most out of retirement – may it be early or right around age 60 – is your health.  After all, what is the point of saving all continue reading…

net worth target by age

When can you ditch your 9 – 5? Let’s find out your net worth target by age!

Having a net worth target by age is the kind of right of passage every adult should go through.  Targets, in general, are awesome.  They give you a goal to work for.  Help you stick to your plans over time.  And motivate you to work harder! From one day to the other, you can go from saving just for the sake of it to saving to reach a certain number and goal.  And once you continue reading…

not saved for retirement so far

So you have not saved for retirement so far? Here is how to turn the tide!

Procrastination happens to the best of us.  I personally like to procrastinate when it comes to doing laundry until I’m down to my last shirt.  Sometimes though, procrastination happens with much greater and more important aspects of life.  Such as saving for retirement.  Does that sound like you?  Have you not saved for retirement so far? If this is you, it is time to acknowledge the fact that you did not yet save for retirement continue reading…