Use an Online Savings Account to Reach Your Saving Goals

When I signed up for an online savings account 8 years ago, it was because of the attractive interest rates and the fact that I wasn’t afraid to bank online. Those rates have since dwindled in tandem with the rest of the banking world, but its other feature has made it a valuable tool for effective budgeting. Paying … Continue reading Use an Online Savings Account to Reach Your Saving Goals »

Is Health Sharing the Answer to Expensive Health Insurance?

About a year ago I read about healthcare sharing ministries. This article actually isn’t the original one written. This couple ultimately decided on a different company from the one they originally wrote about, but the main message is there. When I read the original article, I followed the link to the company’s website. It was a Christian-based … Continue reading Is Health Sharing the Answer to Expensive Health Insurance? »

The Dissapointing Ending with the Financial Advisor

The second meeting happened. (If you missed part 1, click here). She suggested that for this meeting, just to email her report over and we would conclude via phone call. I may be paranoid but I felt like this was the result of our first meeting. Assumptions are Important If you don’t have a handle on … Continue reading The Dissapointing Ending with the Financial Advisor »

Let’s Fix the Budget – Health Insurance

I’ve been sharing tips or soliciting your help to save more money on common household expenses like cell phone service, health insurance, gym memberships and tax efficient savings. I keep going back to our budget to see if anything else stood out that could benefit everybody. Here’s how it works: I am going to share some of our costs … Continue reading Let’s Fix the Budget – Health Insurance »

A Compromise to Early Retirement

Early retirement is attractive to me. The moment I started reading about it I quickly caught the vision. I wanted it. Now. So much of it appealed to me emotionally. Being okay with “enough” instead of a never ending pursuit of wealth, living frugally because you want to and think you should, life-hacking and DIY’ing, … Continue reading A Compromise to Early Retirement »

High Consumption is Often Mistaken for Financial Success

This guy has made it, right? That’s a whole lot of weekend warrior fun right there. How much fun? Ford F-450 dually crew cab: ~$65,000 + Nitro Fishing Boat: ~$25,000 + 30ft camping trailer: ~$20,000 = $110,000 of (depreciating) FUN! Make fun of this guy all you want. Maybe he deserves it. Maybe he doesn’t. … Continue reading High Consumption is Often Mistaken for Financial Success »

Family Financial Review #1.2: Law School vs Mortgage Payoff

Back to our young family. If you missed PART 1 of this case study, click here. Law School Law school was the big topic that many of our financial conversations hinged on.  It’s a decision that has been in the works for a number of years.  The tentative plan is that it will happen, possibly … Continue reading Family Financial Review #1.2: Law School vs Mortgage Payoff »

Family Financial Review #1.1: Career Choices & Cash Surplus

PART 1 – A few weeks ago I was contacted about the possibility of conducting a family financial review. They wanted to open up the books and have it told to them straight. I didn’t even have to think about it. Actually, I think if he would have proposed that I pay him for the chance to do … Continue reading Family Financial Review #1.1: Career Choices & Cash Surplus »

My Dissapointing Encounter With a Financial Advisor

The small company I work for has contracted for financial advisory services for the past 5 years. Nobody remembers what the original pitch was, but they were somehow tied to our 401k and they were pulling a 50 basis point fee from our portfolios each year. I have since challenged the need for this service and … Continue reading My Dissapointing Encounter With a Financial Advisor »

Let’s Fix the Budget – Utilities

I’ve been sharing tips that I’ve learned along the way to save more money, like cell phone service, health insurance, gym memberships and tax efficient savings. I keep going back to our budget to see if anything else stood out that could benefit everybody. Then I thought, this could be a great two way street. I … Continue reading Let’s Fix the Budget – Utilities »

Let’s Fix the Budget – Gym Memberships

I’ve been sharing tips that I’ve learned along the way to save more money, like cell phone service, health insurance and tax efficient savings. I keep going back to our budget to see if anything else stood out that could benefit everybody. Then I thought, this could be a great two way street. I am going to … Continue reading Let’s Fix the Budget – Gym Memberships »

5 Reasons Why I’ll Never Post a 5 Reasons Article

I fall for it all the time. And I’m disappointed every time. And I’ll laugh if this becomes my most popular article.  It very well could, based on the science. There’s a Reason – What online course is everyone taking that encourages this?  Apparently lots.  I did a Google search of “Best Types of Headlines that Readers … Continue reading 5 Reasons Why I’ll Never Post a 5 Reasons Article »

September 17th, 2012: A Mr. Money Mustache Tale

This Day in History –  For me, it’s a day that forever changed my outlook on finances and frugality. And I owe it all to my wife (that usually happens). I was at my desk on this Monday morning, likely trying to will myself to get going on a project. Then, a message from my wife popped … Continue reading September 17th, 2012: A Mr. Money Mustache Tale »

Putting One Person in Charge of Family Finances is a Mistake

From what I’ve noticed, a majority of families assign the duty of taking care of the family finances to one single spouse.  It was either deliberate, like you sat down to figure it out and someone volunteered (or got volunteered).  Or maybe it just happened naturally. Some people love examining bills, budgeting, tracking and setting financial goals.  … Continue reading Putting One Person in Charge of Family Finances is a Mistake »

Let’s Fix the Budget – Life Insurance

I’ve been sharing tips that I’ve learned along the way to save more money, like cell phone service, health insurance and tax efficient savings. I keep going back to our budget to see if anything else stood out that could benefit everybody. Then I thought, this could be a great two way street. I am going to … Continue reading Let’s Fix the Budget – Life Insurance »

Can a Single Income Family Succeed Financially?

The household structure is diverse.  Some have chosen their structure and some have had their structure essentially handed to them through various life events. I personally am married with four children and also the sole income earner in our family (not counting the occasional side gig). There are many times when I sit down to look at our … Continue reading Can a Single Income Family Succeed Financially? »

How to Cut Your Cell Phone Bill More than Sprint Can

I’m hoping you think like me.  I used to look at my cell phone bill and think, “why?” Why do they get to charge so much for this? Why do I pay it? And why do I pay for internet, but then pay AGAIN for internet simply because it’s on my phone and not my other devices? … Continue reading How to Cut Your Cell Phone Bill More than Sprint Can »

Pay Less in Taxes & Increase Your Take Home Pay

You just filed your taxes.  How did it feel? Did you pay anything or are you getting a refund?  Usually, the answer is “BOTH” but many of us don’t realize it. The Payroll Tax I think the most clever maneuver by the Federal Government to increase income tax participation is the invention of payroll tax withholding. … Continue reading Pay Less in Taxes & Increase Your Take Home Pay »

Choosing the Best Health Insurance (Hint: It’s an HSA)

Health insurance is a huge headache for many families.  When I was single, I jumped on my employer’s plan and it took $45 out of my paycheck each month and in return I got a plastic card to add to my collection of other plastic cards in my wallet.  I never used it. When I … Continue reading Choosing the Best Health Insurance (Hint: It’s an HSA) »

Is Graduate School Worth It?

That question came in #4 on Google’s drop down autocomplete bar after just typing “is graduate school…”.  Does anyone else do that? Slowly type what you are really searching for to see what Google comes up with just for your own personal entertainment? By the way, “Is graduate school hard?” and “Is graduate school a … Continue reading Is Graduate School Worth It? »