The Latest

4th of July triathlon

Why I’m Paying $70 For Something I Could Have For Free

  I try really hard to practice lifestyle deflation, which is the opposite of lifestyle inflation. This means carefully considering every purchase and certainly not paying for things that I don’t absolutely need. Every once in a while, a non-necessary expense comes up that makes me throw that thought out the window. This 4th of July, I’m paying $70 for something I could have for free. Physical fitness is one of my top priorities. We only have so much time, and I want to give myself the best shot at being healthy during the amount of time I get. I ...

Read More »
how to control overspending and fees

Hidden Budget Killers and How to Fix Them

Most of us are not perfect when it comes to money. It’s inevitable that financial hiccups will happen to even the most meticulous planners, but what about when money is really tight and there doesn’t seem to be room to save any more? It could be that you are spending out of habit and don’t even realize there are opportunities for improvement. Here are some hidden budget killers and how to fix them. Eating Out Eating out should be a special treat and not the normal way you sustain nourishment. I have a friend who is in dire straits about ...

Read More »
Using Personal Capital's retirement planner

Personal Capital Retirement Calculator: Great for Early Retirement Planning

In the past, my opinion of retirement calculators has been less than enthusiastic. For the most part, they assume that people will work until age 65 or longer, have one job, need at least 80% of their current income in retirement, and that no one will have income after retirement other than social security or a possible pension. Aside from Jim’s possible pension, none of that applies to us, so I’ve always been disappointed when the results show that we will need something like eight billion dollars to retire comfortably. That isn’t real world at all. My opinion has changed ...

Read More »
4 Ways to know when to buy or sell a property

4 Ways to Know When to Buy or Sell a Property

It doesn’t matter if you are a professional renovator or a young couple about to purchase their first home, buying or selling a property is a big deal. Aside from the financial investment, generally people are emotionally attached to their properties. Whether you are in the market for a new house or feeling ready to sell off an investment property, it is all about timing. So how do you know when the time is right? Read on for some ideas on how to spot the opportune moment! 1. The market is favorable If you are already planning on buying or ...

Read More »
save money on vacation

Steps That Make Travel Much Cheaper

                One of my favorite things in life is going on vacation. I not only love planning my own trips, but I also enjoy hearing about other people’s travel stories. One thing I can’t stand, though, is when people pay too much for travel. Even worse is when someone wants to go on vacation but doesn’t because of the belief that travel is out of reach financially. I am a huge fan of using reward points to make vacations affordable. But even when paying in cash, there are a few steps that make ...

Read More »

Saving Money

Lifestyle

Travel