Every year you should fully comprehend your income, separate recurring expenses from personal spending, and decide how much positive cash flow you want.
If you are going to spend 5 months paying off your Christmas spending, it is better to do it before Christmas instead of after.
See two examples that show why you should pay off your high-interest credit cards before you build your emergency reserves.
Find out how planning for Budget Cheat Days can combat the Abstinence-Violation Effect and Failure Cascades that sabotage your long-term financial health.
Without positive cash flow, it is impossible to build wealth.
Learn the two rules of thumb for your mortgage and car loans. Just because you can qualify for a mortgage or car loan does not mean you can afford it.
A strategy for deciding how to best utilize cash windfalls like tax refunds, inheritances, insurance, and court settlements using a simple decision waterfall.