A new year is right around the corner. In a few short days, we will usher in 2021 and 2020 will be in the history books! Can I get an “Amen”? I don’t know many who would argue that this year has not been trying for the vast majority of us, and on so many […]
A car fund is a tool that will help you stay out of debt. Avoiding car payments is a great way to keep your financial stress to minimum. Your car fund is the place where you save money for your next vehicle. It’s a sinking fund dedicated to the purchase of your next motorized chariot. […]
When I was growing up, my parents always encouraged to be a professional. I was told to aim for dentistry, medicine, and law. My parents wanted me to be a professional so that I could always create a job for myself. They knew, and wanted me to understand, that working for someone else meant that […]
Quick! What is your marginal tax rate? If you answered “I don’t know”, then welcome to the club! Pull up a chair and sit down for a spell. Most of us do not know what our marginal tax rate is… which is really too bad. It’s one of the more useful pieces of information to […]
When I was younger, I was convinced that student loans are an anchor. I believed that the best course of action was to eliminate them as soon as humanly possible. Full stop – no further discussion needed. Paying off student loans ASAP was a sign of being a mature adult. One did not carry debt […]
This summer, I was lucky enough to have a socially-distanced visit with some friends. As we enjoyed our cheesecake, the host mentioned that he was worried about what would happen when his boss retired. My friend explained that his boss’ child would likely take over the company. This likelihood was causing a good deal of […]
I’ve said it before, and I’ll say it again. There is money in your kitchen! The room of your home where you keep your fridge and your stove, your pots and your pans, your cutlery and your crockery is a treasure of stored value. The way to find this money is to use your kitchen […]
Gentle Reader, I’ve been working on staying COVID-free. I’ve been staying home, washing my hands, wearing my mask, and trying not to go down the What-If rabbit hole. While I wait for a vaccine/innoculation/nasal spray, I’ve chosen to use this time wisely. The pandemic will end – we will all be able to breathe around […]
Who doesn’t love the word “free”? This week, I decided to buy myself some new jeans. I went to the website of one of my favourite jeans-buying retailers, and discovered to my delight that everything was 50% off. Hooray! Jeans I want at a price I wanted to pay… how could I possibly ask for […]
Quick! Take a look at your current net worth. If you had known 10 years ago that it would be what it is today, would you have been angry if you had been forced to save more money??? The reason I ask is because I’m getting older. And the older I get, the more I […]