Personal Finance Systems

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7 minute read

Every day, the first thing that I do when I get home from work is unpack my gym bag and put the dirty clothes in the clothes basket, hang up the clothes that aren’t dirty and get into something more comfortable, and get everything that I need ready for the next day. Why? Because it makes my life easier.
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Re-post: Guide to Employee Benefits Open Enrollment 2019 Part 4: Disability Insurance

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8 minute read

While having proper disability insurance coverage in place is one of the most important parts of a solid financial foundation, unfortunately, it’s something that I find most people don’t think is important and don’t want to pay for. It usually doesn’t become apparent how important it really is to have disability insurance in place until something happens and you have a need for it. Life can change in the blink of an eye. If you’re in an accident and not able to work, then how would you pay your bills and support your family? Read More

The Hardest Part Of Making Financial Progress

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3 minute read

I get up at 4 AM three days per week and I don’t use the snooze button. I do have a trick though. I set an alarm 5 minutes before I want to get out of bed and then I actually do get out of bed once my “wake up” alarm goes off. (It’s not cheating.) Most people think I’m crazy for getting up so early and heading to the gym before work and they tell me how hard it is for them to get out of bed in the morning. My response, “The hardest part is making your feet hit the floor.”
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5 More Personal Finance Wins to Keep Making Progress in 2020

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4 minute read

I’m already starting to see it in the gym – the number of people who are there in the mornings when I am have dropped back down to pre-New Year levels. The week of January 6th was packed (more than in previous years it seems like) but the number of people have continued to dwindle week-by-week since then. According to US News, 80-something percent of people who set New Year’s resolutions give up by the second week of February. We’re not quite there yet, but I can already see the difference.
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How to Save More Money in 2020

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3 minute read

Figuring out how to save more money is one of the most common financial New Year’s resolutions along with sticking to a budget and paying down debt. Saving more money is a great goal to have but is much easier said than done. We all have things that we love to spend money on and, maybe even more detrimental to our savings goals, it has become so easy to spend on “small” things without thinking. Just like sticking to a budget and paying down debt, saving more money can be a difficult task to achieve but you’re more likely to be successful if you create a solid money savings system. Read More

Paying Down Debt in 2020

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5 minute read

A couple of weeks ago, Amanda told me that she wants to be able to hold up one of those debt free signs that you see on social media which shows that you paid off $XX debt in XX months after she graduates. While this may not be the exact route that we go, I think it’s a common theme among those who set goals to improve their personal finances in the new year.
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5 Easy Personal Finance Wins for the New Year

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7 minute read

“If you haven’t started, then taking action is more important than finding the best strategy. If you’re already taking action, then ensuring you’re working on the right thing is more important than working harder.” – James Clear, Atomic Habits
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