Using money wisely and building wealth

Wise Spending

Be wise when spending your hard earned money

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Wise Saving

How much to save and where to save it

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Wise Investing

Investing wisely; learn where and how

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Wise Budgeting

Telling your money where to go every month

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Saving Money On Your Elec...

Saving Money On Your Electric Bill

I absolutely hate opening our electric bill each month. I know that electricity is a luxury that I shouldn’t complain about but GOSH, it ranges from $200-$400 each month. Sometimes there is no rhyme or reason for the fluctuation. It is one of those bills that I know I can’t get away from but I’m […]

April – Zero Based Budget...

April – Zero Based Budget – (Irregular Income)

Well, I thought this month was going to be better than last. It looks like it will only be slightly better at $3,800. We still plan to tighten our belts this month. The kids are on Spring Break the first week of this month which means we will save a little on gas since I […]

Dirty Money

Dirty Money

Why is money so dirty? At a very young age we are taught negative associations to money. Why do we say “money is the root of all evil”? As a child we are taught that we shouldn’t ask people how old they are or how much money they make. Those of us that are fortunate […]

How big should my emergen...

How big should my emergency fund be?

Everyone should have an emergency fund. An emergency funds’ purpose is to cover your expenses in case you lose your current income. This is usually calculated by finding out what your monthly expenses are and multiplying this by how many months you may need it. This brings us to the ultimate question…how many months should […]

March – Zero Based ...

March – Zero Based Budget – (Irregular Income)

This month’s income looks pretty low at $3,500. We are just coming out of the winter months when business is slow. However, I think it’s starting to pick up so next month should look better… With the Zero-Based budget, every dollar as a place to go with nothing left over. We are in charge, by […]

How a Health Savings Acco...

How a Health Savings Account can save you money

A Health Savings Account (often referred to as an HSA) is a tax advantaged medical savings account that works in conjunction with a high deductible health care insurance plan. Here’s how it works… Enroll in a high deductible health insurance plan (usually these deductibles are between $6,000- $10,000), yet the premium rates can be less […]

The effect of ObamaCare f...

The effect of ObamaCare from an economists view…

I could go on and on all day long on how the “Patient Protection and Affordability Act” is perhaps a far reaching government attack to control every aspect of our “free” lives. However, I will not (at least not today). I only want to expound on one point of ObamaCare. The point I want to […]

How will ObamaCare affect...

How will ObamaCare affect you…

Unless you have been living under a rock (or working so hard to feed your family that you haven’t listened to the news) you have most likely heard that the Supreme Court of the United States voted 5 to 4 in favor of the constitutionality of The Patient Protection and Affordable Care Act (aka ObamaCare). […]

Why are Americans becomin...

Why are Americans becoming anti-savers?

(warning…this is a rant, not for the faint of heart or should I say “wallet”) Is our current economy favoring people who haven’t been wise with their money? Why is our national debt larger than it has ever been? Why does the average American have over $15,000 in credit card debt. Americans traditional save less […]

Stupid Educated People (d...

Stupid Educated People (degrees in underwater basket weaving)

Did you hear Dave Ramsey’s rant yesterday regarding student loan debt! It was great; I’ve listened to it 3 times already! He had several callers call in who had mounds of student loan debt with no real plan to repay it and he just blew a gasket on how stupid student loan debt has become. […]

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