by David | Jan 8, 2018 | General |
I started 2017 morbidly obese, tipping the scale at 334 pounds. I would often see a Facebook friend post his progress on a low-carb / high (healthy) fat way of eating dubbed No Sugars, No Grains – #NSNG on your social media – and I was intrigued. I’ve already...
by David | Jan 4, 2018 | Budgeting, Retirement |
Let’s take a walk down memory lane for 2017, shall we? Using the budget from each month as well as our shared Google calendar, it’s easy to see what we did and where we spent money throughout the year. Even though we teach this stuff, our 2017 was not perfect. We did...
by David | Dec 28, 2017 | General |
New Year’s Resolutions? Bah humbug! They say that 80% of resolutions fail by February. They also say that 80% of statistics are made up on the spot. But I digress… I prefer to set goals because just having a resolution is too vague or often too broad. “I want to lose...
by David | Dec 21, 2017 | General |
We hope your holidays are filled with God, happiness, family, friends, warmth, twinkly lights, pretty paper, magic, music, light, and love. Merry Christmas!
by David | Dec 19, 2017 | Review |
This is the 800 lb gorilla. If you were to walk into a bookstore and look for a book on personal finance, chances are this would be displayed prominently. The book has stayed perched atop the best-seller lists so long, it’s like Dark Side Of The Moon. If you...
by David | Dec 11, 2017 | General |
A recent Yahoo Finance article says, “Five Pieces of Free Financial Advice You Can’t Afford To Take”. In other words, the article says each one of these ideas is bad. Hmm…let’s see how many of these we agree with…. Your basic expenses in retirement will be much lower...
by David | Dec 4, 2017 | Debt |
And now…..this, today on MSN. This sums up why (at least partly) this country is in the mess it’s in. You have “financial websites” pushing the “best credit cards” for “responsible use” followed by a story of maxed-out Americans. It’s like teaching people “responsible...
by David | Nov 29, 2017 | General |
It is That Time Of Year again folks. For those of us who have been eating healthy and exercising, hooo boy we might be over indulging in some sweets. It’s holiday time. As Vinnie Tortorich says, it isn’t what you eat between Christmas and New Year’s, it’s what you eat...
by David | Nov 29, 2017 | General |
Black Friday / Cyber Monday – how did you do? I don’t know about you, but I was inundated with email advertisements, most to the effect of TIME IS RUNNING OUT! I had my eye on a couple of deals that I knew were going to be on sale at 50% off their regular price. This...
by David | Aug 20, 2017 | Budgeting |
All these categories….what is most important? I think this picture says it best…. The actual answer may surprise you. Food is #1. Now that doesn’t mean you go to the Hungry Heifer and get the Feeding Frenzy For Two as soon as you get paid, because Today You Learned...
by David | Aug 12, 2017 | Debt, General |
Today I’m a guest on the Fitness Confidential podcast (Currently in the “What’s Hot” section of iTunes). Stop laughing! Those of you who know me would not equate “David” and “Fitness” in the same sentence. Yeah I’m overweight. Pretty much always have...
by David | Aug 10, 2017 | Budgeting |
The budget you worked on in Part One of this series was simply a snapshot of what you are already spending on. It’s a look in the rear view mirror and, if you answered the questions at the bottom of the post you may have found that where you spend the most money is...
by David | Jul 9, 2017 | Budgeting |
This is the first in a series of posts on budgeting. All a budget is, is a plan for your money. A spending plan. Do you need a plan? Of course you do! Would you start building a house without a set of blueprints? No, and if you think about how much money you make...
by David | Jun 7, 2017 | General |
“I get 1.5% cash back. On everything. EVERYTHING,” a friend exclaimed. He was telling me how great he’s doing financially through the use of a rewards credit card. He and his wife just completed a major home renovation to the tune of $30,000. He acted as the General...
by David | Apr 19, 2017 | Retirement |
A lot gets written about using passive investing in Index Funds vs. Actively Managed Funds. The biggest problem with a passive strategy is human nature. Most people who DIY will freak out when the market drops and sell at the wrong time. Having a good investment...
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