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…

5 please to score free books now

Saving Money – Here are five places to score free books!

One of the biggest gifts made to man- & womankind is the knowledge to be found between the pages of a book.  From kids to adults, while on vacation or at home, and no matter if done so often or occasionally, reading is the perfect gateway to knowledge. There is one industry who has managed to make a substantial buck of us bookworms.  Yes, I am looking at you Amazon, Barnes & Noble, and all continue reading…

extra cash with surveys

Can you make extra cash with surveys? You sure can. I just did!

Side hustles are truly the best way to supplement your 9 to 5 income.  All of us have different financial goals.  But no matter what those goals might be, side hustles will get you there faster. A month ago I was wondering whether you and I could make extra cash with surveys.  Are they true money makers or get rich quick schemes?  What better way to find out then put the hypothesis to the test. All 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…

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…

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…

traveling the world while on a budget to virginia beach

Traveling the world while on a budget to Virginia Beach: ocean, feet in the sand, and lot’s of R&R … all while saving $1k!

Vacations are hands down the best thing in life!  Domestic or international?  It doesn’t matter.  Just being able to scope out a different place, meet new people, and rest up from the day to day grind makes all the difference.  But, there is always a but, travel shouldn’t break the bank.  And thankfully it doesn’t have to. Earlier this year, we made our way to Barcelona and saved $2k while having a blast.  This summer continue reading…

Expense Tracking Update 2nd Quarter 2017

Expense Tracking Update – 2nd 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 said, 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 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…