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Tag Archives: spending

How to Start Your Financial Future Out on the Right Foot – Part Deux

Financial Future

Last time we talked about starting out your financial future when embarking on adulthood. This is a crucial time in anyone’s life because the decisions that you make during early adulthood can really make or break your future financially. We broke down the two biggies in the last article: cash and credit. In this article, we are going to dive into your credit score and debit cards. So let’s jump in! Benefits of Increasing Your Credit Score If you are putting things on credit and not paying off your monthly balance, then you are directly affecting your credit score NEGATIVELY. This is the opposite of what you want to do because your credit score can impact more than you think it can. On the flip side, if you pay your credit card off every month, you are only INCREASING your credit score. The bonus here is that the higher your credit score, the more you qualify for big purchases in the future. Two of these biggies are cars and houses, with a smaller third possibility at business loans and/or credit cards to start a business. Some employers and rental companies even look at your credit score as an indicator of ...

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How to Start Your Financial Future Out on the Right Foot

Financial Freedom

  So, you’ve graduated high school and are embarking upon your wide open future. Going to college is an exciting time for most. But, it can also be a huge stepping stone with your financial future. College is the time that most people are first on their own financially, at least partially, and get their first credit card. So what is the best way to handle all of this newfound freedom and secure your financial future at the same time? Cash I know that the saying is “Cash is King,” and it still is for the most part. The reason for this saying is because when you are paying for something with cash, it doesn’t affect your credit and therefore your financial future in any way, shape or form. If you pay for things with cash, you don’t have to worry about getting authorization from a bank. You just pull out your wallet and call it a day. Cash is one of those things that is pretty easy for a college student to make because there are plenty of jobs, and side hustles, that pay straight cash. Here are a few examples, some that I personally embarked upon to make ...

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If You’re Gonna Talk the Talk……..

achieving financial goals

  We’ve all heard the expression, “Talk the Talk or Walk the Walk”, meaning that sometimes people talk a really good game but often don’t follow through with any action It’s very easy to say what sounds the best, but the hard part comes when an actual decision has to be made to achieve results, especially if you haven’t been honest with yourself before starting the talk. Tiny House Oxymoron One of my favorite things to do when we stay in hotels is watch HGTV, the only real thing I miss since cutting the cord. As it turns out on a recent weekend trip, they were doing back to back episodes of Tiny House Builders, a show where people trade in traditional housing to live in super small, portable, tiny houses. The couple in one of the episodes wanted to build a tiny house as a way to inflict less of a footprint on the world and to minimize the need for consumerism in their lives. Noble causes indeed, until they ran into some snags. Many tiny homes are made with pine or cedar shingles because of their light weight, but the couple on HGTV chose to go with reclaimed ...

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September 2012 Goals

September looks to be a very busy month. We are working like mad to get our rental property ready for by October 1. Vision Expo West is being held the same weekend as FinCon. It is the optometrist equivalent of the blogger conference, a bunch of nerdy professional eyeball people looking to possibly learn something and party like the age they think wish they still were. I also remembered that I have scheduled a yard sale later this month, mostly to sell old office furniture before the sale of my business.  I have a couple of other people joining me, so I can’t cancel. I usually do my best work when I’m severely overscheduled. We’ll see if I can keep all the plates spinning. Let’s take a look back at last month’s goals. Blog Goals 1. Publish content at least four times a week until I have 30 posts done. Pass. I’ll keep this goal the same, but it will get harder because of the other things going on. Wish me luck. 2.Comment on at least five blogs each day, with three new ones per week. Blew it out of the water. I love doing this. I’ll also keep this one the same with the above caveats. 3.Learn ...

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