Our 2017 Recap – Diet and Exercise

I started 2017 morbidly obese, tipping the scale at 334 pounds. I would often see a Facebook friend post his progress on a low-carb / high (healthy) fat way of eating dubbed No Sugars, No Grains – #NSNG on your social media – and I was intrigued. I’ve already...

Our 2017 Recap – Financial

Let’s take a walk down memory lane for 2017, shall we? Using the budget from each month as well as our shared Google calendar, it’s easy to see what we did and where we spent money throughout the year. Even though we teach this stuff, our 2017 was not perfect. We did...

Setting Goals For 2018

New Year’s Resolutions? Bah humbug! They say that 80% of resolutions fail by February. They also say that 80% of statistics are made up on the spot. But I digress… I prefer to set goals because just having a resolution is too vague or often too broad. “I want to lose...

Is It Good Advice, Or Not?

A recent Yahoo Finance article says, “Five Pieces of Free Financial Advice You Can’t Afford To Take”. In other words, the article says each one of these ideas is bad. Hmm…let’s see how many of these we agree with…. Your basic expenses in retirement will be much lower...

Your Christmas Budget

It is That Time Of Year again folks. For those of us who have been eating healthy and exercising, hooo boy we might be over indulging in some sweets. It’s holiday time. As Vinnie Tortorich says, it isn’t what you eat between Christmas and New Year’s, it’s what you eat...

Fear Of Missing Out (FOMO)

Black Friday / Cyber Monday – how did you do? I don’t know about you, but I was inundated with email advertisements, most to the effect of TIME IS RUNNING OUT! I had my eye on a couple of deals that I knew were going to be on sale at 50% off their regular price. This...

Budgeting, Part Three: What’s Most Important?

All these categories….what is most important? I think this picture says it best…. The actual answer may surprise you. Food is #1. Now that doesn’t mean you go to the Hungry Heifer and get the Feeding Frenzy For Two as soon as you get paid, because Today You Learned...

Budgeting, Part One: Where To Start?

This is the first in a series of posts on budgeting. All a budget is, is a plan for your money. A spending plan. Do you need a plan? Of course you do! Would you start building a house without a set of blueprints? No, and if you think about how much money you make...

What’s In Your Wallet?

“I get 1.5% cash back. On everything. EVERYTHING,” a friend exclaimed. He was telling me how great he’s doing financially through the use of a rewards credit card. He and his wife just completed a major home renovation to the tune of $30,000. He acted as the General...

Use An Investment Adviser or DIY?

A lot gets written about using passive investing in Index Funds vs. Actively Managed Funds. The biggest problem with a passive strategy is human nature. Most people who DIY will freak out when the market drops and sell at the wrong time. Having a good investment...