Per Diem… it’s a phrase that means “an amount of money paid per day.” In the world of personal finance, it’s a phrase that is not used nearly enough. I want you to commit to a per diem. That’s right. I want you to pay yourself some amount of money every single day. I’ve written […]
As hard as it may be to believe, the holidays are only a few weeks away. Thanksgiving will be here in another couple of weeks. (Or in November if you’re in the USA.) Then it’s another few short weeks until we celebrate Christmas, or Hannukkah, or Kwaanza, or Festivus. While the holidays will be different […]
The silver linings are there if you look for them, even in a pandemic. We all know that COVID-19 has changed things in a fundamental way at a societal level. However, as with most things in life, its impact on individual lives is different depending on one’s access to money and resources. Over the past […]
As you know, I hate paying bank fees. Thankfully, there are many great options available so I never have to. (And if you’re still paying bank fees, please tell me why? You don’t have to pay them either if you’re willing to spend roughly 20 minutes setting up a free online bank account.) However, I […]
Yes… it’s true. I’m a Single Person who loves to watch YouTube videos about people – almost always women – who do huge grocery shops and create videos about it. Since the Pandemic, and before I found these videos, I thought I was buying lots of food when I went to Costco. I’d buy two […]
Learning doesn’t stop with graduation. You should never stop reading. Read everything that you can get your hands on. Reading opens your mind to new ideas & perspectives. No one says you have to agree with everything that you read, but you owe it to yourself to learn as much as you can in the […]
In a perfect world, you would have started saving with the first dollar that you ever received, i.e. birthday money, paper route money, graduation money. You would have gone to the bank – or your parent would have taken you – to the bank and you would have opened an account. Then you would have […]
I don’t use a budget. I’ve been in charge of my own money since I got my first part-time job, in a grocery store, at the age of 15. Not once since that time have I ever written out a budget in order to allocate a certain amount towards food, towards clothing, towards entertainment, towards […]
Over the past few weeks, I’ve heard people talking about the right of offset. As I understand it, the bank who lends you money has the right to take money out of your bank account, held at the same bank, if you don’t pay your debts on time. Wait! What? Start from the beginning, Blue […]
The first step to getting what you want is to prioritize your goals. You’re the only one who can decide what you need in order to live the life that you really want. The next step is to create and execute the plan to turn your dreams into your reality. The final step is to […]