saving

Note: Update April 2020, I wrote this article January 2019, in regards to the government shut-down.  We just have no idea when something bad can happen.  I am still in disbelief that we are going through this pandemic as of April 2020. 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 [...]

What are the top 5 positive money habits? Paying their bills on Time Wealthy People always pay their bills on time. It is so important to be aware of your bills and pay them on time.  Opening up your mail and email on a timely basis and making sure your bills are paid.  Now a days you can pay them automatically!  So you don't even have to think about the dues dates, however, you should still be aware of when they will go through.  Successful people know exactly their bills and when they are due.  Write them down and write [...]

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 [...]

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 [...]