If you were fortunate enough to keep your job during the pandemic, you probably noticed a financial benefit: you spent less. Amid restrictions, credit card spending on fun activities—like going out for dinner—became less frequent. Looking ahead, the majority of Americans plan to continue at least one budget change post-pandemic, including eating out less (49%), buying fewer clothes and shoes (41%), and traveling less (37%). Of course, the first step in budgeting is tracking where your money is going. In the graphic below from Personal Capital, we break down Americans’ monthly credit card spending by category.
Read More »WEALTH IF YOU WANT IT
WEALTH IF YOU WANT IT is an e-book that deals with how to improve your wealth, your financial independence and your quality of life.
Read More »Wealth: Where Are YOU Headed? (Chapter 4)*
Few people formally plan much in their lives. Usually, that shows they don’t know where they are going. Living life without a plan is analogous to sitting in a drifting boat. You know the direction of the drift, but not the ultimate destination. Words: 1802
Read More »Wealth: Requirements To Succeed (Chapter 3)
If you are unwilling to save, save some time by ignoring this book. Stop reading right here! Savings are an absolute prerequisite for wealth creation. Without savings, there can be no wealth. Read that sentence a few times. It is an immutable fact. Words: 800
Read More »What Is Wealth? (Chapter 2)
Understanding the creation of wealth is easier than achieving it. Achieving it also requires commitment, behavioral change, and sacrifice. If you are interested in success, regardless of how you define it, take charge of your life. Planning is essential. Happiness, regardless of what that implies, requires commitment and planning. Do not depend on luck! Do not think that you may win the lottery. Words: 1362
Read More »Pay Less In Car Insurance – Here’s How
There are plenty of ways to cut your car insurance premium, including these 9 tried-and-true methods.
Read More »Wealth: Creating A Roadmap To Get There (Chapter 5)*
A road map to wealth is a timeline of dollars expected along the way and this chapter explains how to do so. Words: 1593
Read More »6 Ways To Choose the Right Financial Advisor For YOU
A financial advisor can realize enhanced returns for you over the years and make you feel more at ease about their finances, but only 29% of Americans work with a financial advisor. Research shows that an advisor-managed portfolio [outperforms a self-managed portfolio realizing an 8% annualized growth over a 25-year period, on average, compared to 5% from a self-managed portfolio. bBelow are 6 ways to go about choosing the right one for YOU!
Read More »Make the Most Of Your Life While Still In Your 30’s (Or Even Older) – Here’s How
I’m turning 40 this month, which got me thinking: why not share how to make the most of your 30s so below are 30 hard-learned money and life lessons for you to review and hopefully implement.
Read More »14 Behavioral Changes That Will Drastically Improve Your Life Situation (+4K Views)
Simply continuing along the status quo is a vote for digging ourselves deeper as the constraints of the future arrive. Behavior change is necessary in order to improve our chances. This article presents 14 prudent behaviors to adopt...as we start trending back towards more historic baselines.
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