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Financial Independence

2019-09-21T21:23:24+00:00

Disclosure: This post includes affiliate links. Thanks for supporting Microstuff.com. I guide families to gain financial confidence to take control of their lives and guide them towards financial independence.    What is financial independence? Financial independence means you have enough wealth and/or assets that generate income to cover all of your living expenses for the rest of your life.  It really means freedom to do what you want and to have enough wealth to live on without having to work. What do you mean?  “Have enough wealth to live on, without working?” Wealth is the money and/or assets that you [...]

Financial Independence2019-09-21T21:23:24+00:00

Don’t Overspend to Keep Up with Friends

2019-08-28T19:49:26+00:00

I came across the Credit Karma article about Millennials spend more because they are trying to keep up with their friends.  I had to write a blog post about it.  Credit Karma/Qualtrics study of 1,045 U.S. consumers.    Now, I will put in a caveat and say I’m not Millennial, based on defining a Millennial as someone between 18 and 34. If you consider me a Millennial I will take it as a compliment just like if you were going to card me for a drink, with a huge smile. I do have grey hair after-all. Just recently I came [...]

Don’t Overspend to Keep Up with Friends2019-08-28T19:49:26+00:00

Yummy Pulled Pork Recipe

2019-07-18T01:14:17+00:00

Pulled Pork Recipe My family and I love pulled pork. It just takes some time to make.  Be prepared to take a couple of days to make it. It is well worth it though! I'm not going to go on and on about it.  Here is the recipe.  Enjoy! Purchase a boneless pork shoulder.  The larger it is, the longer it will take to slow cook.  This is done in the oven at a low temperature for a very slow cook.  It is a great meal to make in the winter or fall when you don't mind using the oven [...]

Yummy Pulled Pork Recipe2019-07-18T01:14:17+00:00

You have to start at Step 1

2019-05-09T20:10:15+00:00

It was Christmas Eve. We had just finished watching Home Alone (as is a family tradition) and my son picked up a book about origami. He thought it was a great time to start origami at 9:00pm. He wanted to start on the expert level and was asking lots of questions. Neither my husband nor I know that much about origami, and the book stated that you should start with the easy ones first. We pointed out to my son that we needed to learn the beginning of the steps from the easy section. His reaction was upset and in [...]

You have to start at Step 12019-05-09T20:10:15+00:00

What are some of the rules you use to run your household?

2019-04-13T23:19:30+00:00

What are some of the rules you use to run your household? I was reading an article from an April 2018 Real Simple magazine called “Your Words: What’s the family rule that keeps your household running smoothly?”  This article really got me thinking about our own household rules for our family of 5 - me, my husband and 3 kids.  I really like all of the suggestions. Some stood out because they are the ones we already follow and some stood out as ones we should follow. My favorite one that we are not yet following in our [...]

What are some of the rules you use to run your household?2019-04-13T23:19:30+00:00

Why YNAB is better than sliced bread

2019-04-04T23:39:02+00:00

Caveat:  There are some affiliate links in this post.  I may receive cash benefit or discount for recommending products.  However, I will only post about products I think are worth it. Why YNAB is better than sliced bread! It was 2014 and I was searching for budget software and small business accounting software. Why you may ask?   I was not a fan of Quicken, and Quickbooks.  Both had their limits and huge learning curves and a high cost. I had several bad experiences trying to upgrade from one version of Quicken to another and dealing with files I could [...]

Why YNAB is better than sliced bread2019-04-04T23:39:02+00:00

Free Financial Checklist: It’s time to Get Financially Organized this Year

2019-02-18T18:51:25+00:00

Getting Financially Organized this Year It is never to late to get started.   As a coach, one of the things I ask my clients to do FIRST is collect all of their financial information. Having it all located in one place is essential to get started. Here I created a FREE worksheet to help you collect all of your personal financial information.

Free Financial Checklist: It’s time to Get Financially Organized this Year2019-02-18T18:51:25+00:00

Everyone has a Spending and Saving story. How do you change yours?

2019-02-18T18:49:39+00:00

Everyone has a story Everyone has spending and saving story.    What is your spending and saving story? I don’t want anyone to feel discouraged that they can’t save or they feel that they are stuck because they don’t “save” enough.   I truly believe everyone has a story and if you want to change that story you can do it. It takes some mindset changes.  You must break old habits while creating new habits.   I love Spending and Saving If we sat down and had a cup of coffee and talked about spending and [...]

Everyone has a Spending and Saving story. How do you change yours?2019-02-18T18:49:39+00:00

Positive Cash Flow is the Key for Financial Success

2019-02-13T17:02:01+00:00

Cash flow is the Key What is Positive Cash Flow? Positive cash flow is simply having more money coming in than money going out.    This is key to everything when it comes to personal finance.  Making sure that you keep some of your money for the future whether that is upcoming bills and savings.     If you spend it ALL you can’t save.    Simple. Do you have a positive cash flow?   Ask yourself these questions. Can you pay your bills NEXT month WITHOUT another paycheck?  Yes/No If you answered Yes, then that is great news, you [...]

Positive Cash Flow is the Key for Financial Success2019-02-13T17:02:01+00:00

Happy Thanksgiving

2018-12-05T23:51:54+00:00

Happy Thanksgiving Wishing you and your family a wonderful and Happy Thanksgiving! There is so much to be thankful and grateful for and I hope that you are with friends and loved ones this holiday season enjoying time with each other. I was thinking about writing down a quick list of things I'm grateful for and in doing so it really has surprised me at what came to mind.  Definitely, will do this more often.  This was a lot of fun and enlighting to write down.  Try it yourself. Here is a list of things I'm so grateful for: My wonderful [...]

Happy Thanksgiving2018-12-05T23:51:54+00:00
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