dry cleaners are cleaning out your bank account

Saving Money – dry cleaners are cleaning out your bank account

Finding areas where you can save can be tough.  After all, who wants to cut out expenses that make our life happier such as dining out.  Same goes for things that make our life easier like our cars. What if, though, some conveniences are actually unnecessary expense drains in disguise.  Those of which keep you from paying off your debt, saving money for emergencies, and investing for retirement. One of those convenient money suckers is dry 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…

why comparing prices is crucial

Saving Money – why comparing prices is crucial for your wallet and flowing locks

Hands up … who wants to leap vs. stroll toward achieving their financial goals?  Two concepts have been proven to make that happen.  For one by increasing your income (check out my side hustle experiment) and secondly by decreasing your expenses by saving money.  This is why comparing prices is crucial! Now I could write a bunch of paragraphs telling you how important it is to save money.  No need for that because you already continue reading…

The Foolproof Way to Avoid Unnecessary Purchases

Yes, there is a foolproof way to avoid unnecessary purchases…

Everyone put their party hats on right now.  Nope, it’s not New Years, your birthday, or my retirement party to which I plan on inviting the entire world btw!  I have been battling something I like to call “unnecessary spending syndrome” and I know many of you are as well.  So we are all in this together 🙂  A lot of effort and iron clad will goes into kicking it to the curb.  And as continue reading…

Saving Money - drink your drink and get your buzz on without going to the poorhouse

Saving Money – drink your drink and get your buzz on without going to the poorhouse

Here you are on a Friday night, done with a tough work week and ready to hit the town.  And before you know it … bam … you’re part of a statistic without even knowing it.  No worries though.  I’m right there with you and countless other Americans are as well.  We basically have formed a tight “drink your drink and get your buzz on” club without even knowing it. In the good, old United 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…

Expense Tracking Update - 1st Quarter 2017 Spending Hits and Misses

Expense Tracking Update – 1st Quarter 2017 Spending Hits and Misses

If you are anything like the “old” me, tracking your expenses is easily comparable to nails on a chalkboard.  I had seriously dreaded the entire experience of analyzing my 2016 expenses and procrastinated like the best of them.  What’s changed?  Peace of mind about where my hard-earned cash disappeared to last year and a concrete plan on what I don’t want to waste my cash on again this year.  Being new to the world of expense tracking, continue reading…

Saving Money - how to celebrate Valentine's Day without getting ripped off

Saving Money – how to celebrate Valentine’s Day without getting ripped off!

Mr Muse and I are big fans of Valentine’s Day.  Who doesn’t like a bit of love and romance?  Sprinkle in some reminiscing about happy relationship memories.   Add some fun times to be had with your kids.  And it’s a holiday for all to enjoy! But then, of course, the pesky consumerism industry happily reminds us all of how we should be celebrating this particular day.  I mean, we all can’t possibly be sincere continue reading…

How to buy a car and not get screwed

How to buy a car and not get screwed!

Have you ever asked yourself how to buy a car and not get screwed?  Well, today is the day for answers.  It is also confession time on my end!  Here it goes.  Before I became smart about my personal finances, I made the most common mistake of all mistakes.  I bought a car that was out of my financial comfort zone.  Not that I knew that back then or would have listened to anyone for continue reading…

Shopping Bags Emotional Spending Triggers

Emotional Spending Triggers and how to avoid them

There are many things which stand in the way of you and a sizable bank account, but one stands out like a sore thumb.  Your emotional spending triggers, which keep you from reaching the financial freedom you deserve! I will be the first one to sympathize with the most obvious and kick-in-the-pants emotional spending triggers.  Simply because we’ve all been through them.  To name a few … a crappy week at work, relationship troubles, your continue reading…