Building Your Budget Before we begin, let’s make sure you have everything you’re going to need.List of all monthly incomePrioritized list of all monthly expensesYour favorite spreadsheet (or paper and pencil) Open up the spreadsheet program (or grab that pencil …
AI is both fascinating and scary. Fascinating because it holds huge potential to revolutionize so many things (health care, agriculture, finance, manufacturing, transportation) and the list goes on. It’s a bit scary because I’m not convinced we know ‘exactly’ what …
Review If you’ve been keeping up, let’s review what we’ve done to date. Next steps You have accumulated a lot of information. Your list shows exactly how much money you have coming in and how much is going out. This …
The US tax code is complex. I don’t think there’s any argument here. We even have entire industries to address this complexity. Tax attorneys and tax accountants come to mind, then there’s all the federal employees required to enforce this. …
We’re going to get into making a budget. A spreadsheet is recommended for this, but paper and pen will work just as well. If you’re not used to or have an existing spreadsheet, I did a quick search on google …
If you’re still here and working your plan to reduce your debt, awesome. Lots of people ‘talk’ about it, but very few ‘do’ something about it. I’m glad to think you’re a doer 🙂 So by now we’re getting entries …
This category will get interesting. Unlike the personal finance category where I had an idea on what direction I would start with, here I do not. Social issues interest me and more times than not, it comes down to having …
Now that you’ve started writing down each of your purchases in that pocket notebook, let’s start to look at debt. Categories Keeping inline with KISS, let’s identify overall categories for your debt. This can be things like credit cards, medical …
I’d like to take a direction that perhaps you haven’t tried yet, but first a little background. Many years ago I was in financial distress. I had already filed bankruptcy about 5 years previously and here there I was again …
Thanks for stopping by. My intent for personal finance is to keep it simple. At this time you won’t find any posts on investment advice. There are plenty of sites out there that address just about any investment you can …