saving

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 [...]

What to do if you don’t have an Emergency Fund? Currently, in the US, the government had the longest shut-down in history and might start another one in the future.  Reading the news, many people are talking about the struggles that government employees (and in fact many Americans have) and that is that they are living paycheck to paycheck.  Meaning they don’t have enough funds to live without the next paycheck. It is also called negative cash flow. If this describes you, there is hope!  I talk about creating positive cash flow in this article.    Anyone, living anywhere could find [...]

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 [...]