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Marriage and Money: Financial Game Plan This series was inspired by the recent marriage in our family. I organized some information with my brother in law and new sister in law in mind. If you find these tips to be useful, please share them. Congratulations on getting married. I hope you have a happy and long......
Guide to Investing Money & Money Management Much of money management focuses on investing money to reach a financial goal. You can get low-cost investment management help and still be your own money manager. Here's your basic guide to investing and money management on a budget. As a financial planner I worked with people who needed help......

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Would You Give Up Your Favorite Financial Sin To Achieve Financial Freedom?

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August 24th, 2010 By: Richard

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This is a guest post written by Jesse Michelsen, the creator of Personal Finance Firewall. On his site he writes about taking every tiny detail into account when managing personal finances, and gives tips on ways to make it easier for those with full lives.

I often listen to motivation speeches and read spiritual, uplifting material. It’s really positive and always has great life lessons we can learn, regardless of your religious choices. Read more... (660 words, 11 images, estimated 2:38 mins reading time)

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Favorite Blog Wednesday - Simply Well Done. The third personal finance site in my series "Favorite Blog Wednesday" is The Simple Dollar, written by a guy named Trent. First off, I have to comment that while I do not know how Trent comes up with so many smart posts, I sure do appreciate it. There is nothing......
Personal Finance Blogging Pet Peeves #1 (or the 10% compounding myth) I'm starting a series of pet peeves that I find in almost all personal finance blogs. One of the most amazing things you'll read is how some small amount of money compounds at 10% over 30-40 years to some huge number. Here are just a couple of examples from some......

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Family Finance: Top Mistakes Young Families Make

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July 27th, 2010 By: Richard

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Singles finance and family finance differ quite a bit. I’ve learned that well over the past 5 1/2 years (our oldest child is now 5 1/2). My personal experience has shown there are more spending pressures and overall expenses when you have a young family. Examples include birthday parties, swim lessons, dance lessons, clothes, toys, doctor’s visits for runny noses and coughs, camps and trips to the ice cream shop. Read more... (996 words, 11 images, estimated 3:59 mins reading time)

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Financial Literacy: Learn About Money, Boost Your Finances April is Financial Literacy month. So today, we are highlighting some thoughts on financial literary from Todd S. CFP. The question we ask: how do you get a financial education? Financial Literacy: Learn About Money, Boost Your Finances Personal savings rates are dismally low (not to mention the savings account......
The Millionaire's Retirement Plan Is Backwards Have you seen the latest article on Yahoo! Finance? I recently read "The Millionaire's Retirement Plan," where the author explains that to stay on track for retirement, 25 year olds should save $200 a month, 35 year olds $400 a month, 45 year olds $450 a month, and 55 year......

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There Are Times When Your Finances Take A Back Seat. Be Prepared With A Contingency Plan

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July 8th, 2010 By: Richard

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Just over one week ago we had our first child, little Carter John. Ever since the day he was born, we have been focusing only on the baby – feeding him, changing his diapers, getting used to his schedule – and trying to stay sane.

One thing we’ve learned in the past week is just how un-important things like money and finances can feel at a time like this. They seem to fade into the background along with everything else, and you begin to forget that bills will even need to be paid. It can be easy to let things slide. Read more... (673 words, 11 images, estimated 2:42 mins reading time)

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Shave Money Off Your Very Last Bill - Saving On Funeral Expenses. Photo by Chris KovacsNo one wants to talk about it but it is a fact of life - we are all gonna go someday - and there is no stopping that trip. And it is not going to be a cheap one, either! But before you head out, the thing......
Free Bill Optimization Giveaway! I absolutely hate to see people wasting money on phone, Internet, and cable bills. It drives me crazy when people pay extra for features they don't use or have 3 text message plans on the account for $15 each when a $30 one would make texts unlimited for the whole......

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Should Married Couples Divide Their Money?

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July 7th, 2010 By: Richard

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Some couples combine their money while others divide their money. Perhaps both couples were earning and managing money individually before they got married, so why not continue right on doing the same thing. It’s the easy thing to do, right? Well, of course there is always that discussion about who will pay what when the bill arrives in the mail. And if you get a new car, who’s name goes on the car title? Keep financial matters separate, right? Nah, you don’ want to do that. Dividing up your finances and claiming territory leads to communication challenges, individualism in your marriage (in a bad way) and developing the wrong perspective about money. Read more... (812 words, 11 images, estimated 3:15 mins reading time)

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Couples and Money Matthew Paulson of Finance is Personal asks, "Should Married Couples Combine Their Finances?" His answer is an unqualified yes. One of the things I love about the Finance is Personal site is that it almost always gives me a fresh viewpoint. I think it's impossible to give a hard and......
More Maxed Out Credit Cards I'm always sharing my experiences at the store with you, and by now you are probably thinking, "This frugal guy sure spends a lot of time in the store!" I assure you that's not the case. Rather, when I am occasionally in stores, it seems like something usually happens to......

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3 Ways To Trick Yourself Into Saving Money

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July 6th, 2010 By: Richard

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I don’t know about you, but sometimes I have a difficult time saving money. If the cash is there, it ends up getting spent! For those of us who need new ways of saving money, here are some great tips on saving more money than we thought possible.

It’s All About Habits

Before we get into some specific ways of saving money, I think it is important to recognize that our habits usually determine the end result. What does that mean? It means that if we want to get down to the root of our spending issue, we have to address our habits. Those things that we do habitually can make us or break us. Read more... (750 words, 11 images, estimated 3:00 mins reading time)

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New Year Savings Tips For Your Children. The turn of a new year is often a time of reflection for many. This year, don't make resolutions just for yourself, take the time to make resolutions with your children that can have a lifelong effect. Start by discussing and setting some financial goals for your kids. Whether it's......
Spend Money Before You Earn It The following guest post is from Craig Ford of MoneyHelpforChristians.com. The only good way to spend money before you earn it is to spend it on PAPER. Spending it on paper first is especially important for UNRI (Unexpected Non-Reoccurring Income) What type of income is considered UNRI? Gifts - Christmas,......

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What Is The Best Way To Save For A New Child?

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June 21st, 2010 By: Richard

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Well congratulations if you’ve recently found out you’re expecting to have a child! Assuming you’re having a child for the first time you may not know what expenses to expect or how to save for your child. That’s okay. Having children does impact your wallet, but it’s well worth it. Children are a blessing and as you pay for your little one you won’t think anything of the expenses as long as you’ve done some planning and preparation and spend smart. Read more... (1124 words, 11 images, estimated 4:30 mins reading time)

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Should You Pay for Your Child's College Education? Paying for college for yourself or for a child can drop you into debt faster than many other things. Aside from huge disasters like medical emergencies or a home fire, more people get into higher debt by paying for college than any other reason. The best advice for long term......
Back to Basics: Spend less than you earn Pretty much any good personal finance resource you run across will talk about this: Spend less than you earn. All this means is that your expenses (everything that leaves your wallet) are less than your income (everything that enters your wallet). If you're spending more than you bring in, you'll......

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Living On Less Before You Need To: Getting By With One Income

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May 14th, 2010 By: Richard

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Last week I read a post over at Debt Free Adventure about how it’s a good idea to start living on one income, whether or not you need to. If you’re married and have no kids, it can be a good exercise to see what it may be like if you end up having children and one partner needs (or wants) to stay home with the child. It is also a good way to get ahead faster because you’re living below your means, before you have to! So today I want to talk about living on less before you need to, and why it’s a good idea. Read more... (1176 words, 11 images, estimated 4:42 mins reading time)

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How Much Money Should I Save? I see a lot of people ask, "How much money should I save each month?" This is an important question, but it is only half of the question. The other half is, "What are you saving for?" The amount you should save depends on your financial goals as well......
Personal Finance Advice For Your 30's. picture by PerfesserThis post was written as part of the M-Network's Money Matters for All Ages project. You can see the rest of the articles at the bottom of this post. Your 30's - the first time you start feeling mortal and like a grown-up at the same time...at least......

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Doing A Zero Based Budget Will Lead To Found Money

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May 6th, 2010 By: Richard

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Over the past couple of years the economy has been in a tailspin. With double digit unemployment, people are having a hard time finding jobs, and not many people (beyond government workers) have been seeing their incomes increase. Because times are tough most people are having to be more creative in looking for places to trim the fat, create new side incomes and keep their head above water.

What if I were to tell you, however, that most people could easily give themselves a raise without having an increase in income? Here’s how it can be done. Read more... (959 words, 11 images, estimated 3:50 mins reading time)

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How Our Finances Will Drastically Change Starting July 1. OK, so what do you get when your expenses go down by quite a bit per month, but your wife stops working at the same time? An interesting financial situation that you hope benefits you. At this point in time, I am trying to figure out what our expenses will......
Budgeting While in School When you are a college student, you may think that planning out a budget is simply a waste of time, because why does a college student need a budget? No matter how young or old you are, having your own budget is vitally important, and this actually happens to be......

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How To Analyze Your Budget And Spending Decisions

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May 5th, 2010 By: Richard

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I love helping people with their finances. It’s a passion of mine as you can see with the One Money Design tagline – helping people achieve true financial freedom. Money Map coaching involves walking with people through a Biblical financial study and helping them use practical financial tools for their finances (such as setting up a spending plan (budget)).

Often people seek help because they can’t make debt payments, they can’t stop using credit cards, they’re tired of living month to month, or they think there just isn’t enough money every month to meet their needs. Read more... (1192 words, 11 images, estimated 4:46 mins reading time)

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