Dental Discount Plans I have lousy teeth and I spend a lot of time at the dentist. Yesterday, was one of those days which is why I didn’t post anything. And, I don’t have dental insurance. What I do have is a dental discount plan …
Read MoreRule of 72
Rule of 72 This post is mostly for those of you who invest. Have you ever heard of the Rule of 72? Do you understand how it works? If not, this posting is for you. The Rule of 72 is a quick formula that allows …
Read MoreRetail Therapy
Retail Therapy How many of you engage in retail therapy? Do you even know exactly what that is and how it affects you and your money? According to the Cambridge Dictionary, retail therapy is defined as: “the act of buying special things for yourself in …
Read MoreGrocery Store Shopping
Grocery Store Shopping Are you like me and just hate grocery store shopping? Yes, it’s a necessary evil and it has to be done. And, I don’t know why I dislike it so much, but I do. I know I’ve given tips on grocery shopping …
Read More50/30/20 Rule
50/30/20 Rule Are all of you familiar with the 50/30/20 rule? It’s used in budgeting and is basically a guideline for managing your after-tax income. Take 50% of your net income and apply it to your needs. Needs include rent/mortgage, utilities, food, transportation, insurances, minimum …
Read MoreMoney Management
Money Management You constantly hear the term “money management”. But have you ever really thought about what that means? If not, perhaps it’s time you really think about it. Money management is the act of creating, organizing, monitoring, and directing money to help you reach …
Read MoreCredit Card Cashback
Credit Card Cashback I have a credit card that I use all the time. Why? Because I get a cashback reward that I use for other things. So how do I actually use my credit card? I pay for certain bills with it. Why not …
Read MoreLife Insurance
Life Insurance Does everyone need life insurance? Maybe. If anyone would be impacted by your demise, then you probably do need coverage. If nobody would be affected, then you probably don’t. If you’re the breadwinner, life insurance is meant to protect your family from financial …
Read MoreBuy Now, Pay Later
Buy Now, Pay Later I’ve been asked what I think of “buy now, pay later”. My normal answer is “not much”. How exactly does “buy now, pay later “work? You see something you want to buy, such as furniture. The retailer sells you their product …
Read MoreCredit Scores
Credit Scores Do you know what criteria that FICO (Fair Isaac Corporation) uses to rate your credit scores? They use five standards to determine what your credit scores should be. FICO is the most commonly used credit score rating to determine credit worthiness when getting …
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