Personal Loan What is a personal loan and why would you want one? A personal loan is one that you would normally borrow from a bank, credit union or online lender. You would repay the loan for a predetermined time period in fixed monthly payments. Payments …
Read MoreManage Your Expenses
Managing Your Expenses Do you really know how to manage your expenses? It starts with knowing how much your take-home income is. If there are multiple income streams, you need to add them together. For example, you have two jobs, or there are two wage …
Read MoreIRS Contribution Limits
IRS Contribution Limits For 2026, the IRS will be raising IRS contribution limits on 401(k)’s, 403(b)’s and 457(b) plans. Remember, these plans are offered by your workplace. There are other plans you can have that are separate if you don’t have one of these plans …
Read MoreStart Saving for Retirement Late
Start Saving for Retirement Late How do you save for retirement if you’re starting late? Both hubby and I started late but we managed to pull it off. So, if you’re in a similar situation, read on! Before you can come up with some kind …
Read MoreLive Below Your Means – Part 2
Live Below Your Means – Part 2 Let’s continue our discussion on how to live below your means. While some things may be a challenge to trim, others won’t be. For example, I changed from one of the big three cellular providers to a Mobile …
Read MoreLive Below Your Means – Part 1
Live Below Your Means – Part 1 How do you live below your means when you’re living paycheck to paycheck? That’s where knowing where every dollar is going comes in. This will be a two-part post. I’ll discuss places you can look at to find …
Read MoreHire A Financial Planner
Hire A Financial Planner Hiring a financial planner can make an enormous difference in your long-term financial well-being. The planner my husband and I work with — and the one before him — have been invaluable. Yes, they charge for their services, but when you …
Read MoreTopics
Topics I have covered a wide variety of topics here in my blog postings. Are there any topics I haven’t covered yet that you’re interested in? Please let me know what you’d like to see and I’ll be happy to discuss them. Moral of the …
Read MoreDiversification
Diversification What is diversification? It’s an approach to reduce investment risk by using a wide variety of assets instead on just one type of investment. When I started on my financial journey, I thought I was diverse because I had three mutual funds. I was …
Read More50 Year Mortgage – Part 2
50 Year Mortgage – Part 2 I wanted to talk just a little more about 50-year mortgages. I talked yesterday about how much more a 50-year mortgage would ultimately cost. However, I didn’t factor in the savings you would realize by a lower payment on …
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