Cost of Groceries per Person per Month

March 15, 2017 I have received many, much-appreciated emails from readers and educators alike wondering about my suggestion from as far back as our 2011 budgeting presentation and a 2010 blog that households should try to spend between $75 and $125...

Debit or credit?

Debit or credit? Originally published February 15, 2017 It's a question we all hear so frequently that we have a tendency to tune it out sometimes: "Debit or credit?" Let's clarify a few misconceptions I have heard over the years, before we address this...

It’s SIMPLE-S stands for Spend

SIMPLE Personal Finances Originally published September 2, 2016 A couple of months ago, I published my introduction to SIMPLE finances: Spend, Invest, Manage, Plan, Limit and Eliminate Today, I want to expound on the first part: Spend Now, before anyone gets it into their mind that I am encouraging them to go...

7 Steps to Building (or Rebuilding) Your Credit Rating

September 22, 2016 It's a question I hear regularly for people of all walks of life: How to I build (or rebuild) my credit? Follow are some simple steps that can contribute to better credit ratings, whether you're starting with no...

SIMPLE Personal Finances

SIMPLE Personal Finances Originally published August 26, 2016 "Savings is important, but what about insurance?" "Investing for the future it a great idea, but how do I escape my paycheck-to-paycheck lifestyle now?" "I know my credit rating is important, but what about getting out of debt?" These are common questions I have heard...