Spend less than the maximum allowed on housing and transportation if you want to accomplish more than just making the minimum payment.
Shift Your Goal from Making Payments to Making Progress
How to use Conscious Spending to Free Yourself From Guilt
Find out how Conscious Spending removes guilt from buying the things that bring you joy, while simultaneously achieving your financial goals.
Three Steps to Survive an Income Crisis
When your income falls focus on three areas: 1) Maximize all income sources; 2) Minimize expenses to protect the four necessities; and, 3) Pile up as much savings as possible.
The First Thing You Should Buy After The Pandemic
The global Coronavirus (COVID-19) pandemic won't last forever. When it is over, the first thing you should buy is an emergency fund.
How (and Why) to Apply the KISS Principle to Your Finances
Apply the Keep It Simple Stupid (KISS) Principle to your finances. Managing your money should be easy, and never buy a financial product you don't understand.
Only Use Debt For Real Estate, School, and Cars. Nothing Else
Unsecured debt will rob you of future wealth. Learn what types of debt can help you build wealth and how to use them wisely.
3 Things to do Every Year to Take Control of Your Finances
Every year you should fully comprehend your income, separate recurring expenses from personal spending, and decide how much positive cash flow you want.
How to Find Room for Savings in Your Budget
Learn how to use three areas in your undetailed budget to find opportunities to increase savings: Income, Recurring Expenses, and Personal Expenses.
Start Saving for Holiday Gifts Now
If you are going to spend 5 months paying off your Christmas spending, it is better to do it before Christmas instead of after.
How Much Would You Have to Save to Double Your Social Security
Find out how much your retirement accounts would have to be worth to double your social security. It's less than you think.