This article is by Fred at One Project Closer. Fred’s blog is home improvement focused, but he also enjoys personal finance from a Christian perspective. I grew up with the benefit of Christian parents who made giving to God’s work a top priority. My mom regularly reminded my siblings and I that all the money […]
The Great Big List Of 75 Budgeting Tools, Finance Software And Smartphone Apps
A list of 75 + budgeting tools, finance softwares, Iphone and Android money apps and other personal finance related programs that can help you implement your financial plan.
How Many Financial Accounts Should You Have?
Financial accounts are a modern day necessity. Most people have an account at a bank, if not multiple banks. At that bank they are likely to have a checking account, savings account, and even a CD. In addition, it is quite common for people to have multiple active credit card and debit card accounts. Unfortunately, […]
What You Need to Know About Cash Flow Management
Cash flow management, managing what’s coming in and what’s going out, is critical to maintaining control of your spending and staying in financial balance. Some people manage it to extreme detail and others manage it up to the high level. Either way, its cash flow management and it’s our jobs as wise money managers to […]
10 Attributes Of The Perpetually Broke
Here are a few of the attributes that broke people have that contribute to them continually finding themselves short of cash.
Budgeting: A Statement Of Faith
I have always enjoyed detective movies and shows. I envy people who can walk into a room and know minute details about your life just by looking around your desk at work. When I meet people I secretly guess what their subtle habits and practices include. My favorite place to go in someone’s house is […]
Saving Up And Paying Cash For The Things You Buy Makes The Purchase More Enjoyable!
My wife and I have been out of debt except for our mortgage for a couple of years now. I can still remember paying off that last debt, my student loan, and how good it felt. It was like a weight had been lifted off of my shoulders, and we were now free. I can’t […]
Spending Less Than You Earn. Sound Advice At Any Income
The past week was a sad one as we saw the passing of several well known celebrities. The week started off with the passing of affable Johnny Carson sidekick and veteran of two wars, Ed McMahon. He was always able to light up the stage with his easy going demeanor, and he seemed to be […]
False Starts And Budget Malaise: Getting Back Your Budgeting Momentum
If there’s one thing I’m good at, it’s starting a budget. I have no problem tracking our spending for a month or two or setting up income and expense categories. I’m even able to setup a working zero based budget where we allocate every dollar to a category, leaving no money left over to just […]
In The Event Of An Emergency Series: Planning Ahead For Life’s Emergencies
The “In The Event Of An Emergency” series is devoted to the topic of planning ahead for life’s little (and big) emergencies that we all know will come our way. The series covered topics ranging from making sure you have insurance coverage and an emergency fund, to making sure your family is provided for in case the worst case scenario happens.
Setting Up A Good Financial Plan Can Help You To Weather Any Storm
The last few days we’ve been talking about how you can prepare yourself for emergencies, both big and small. We looked at what you should put in a safe deposit box. We discussed making “What If I Die” spreadsheet, putting all of your important information in one place in case you pass on, or become […]
An Emergency Fund Will Help Reduce Your Risk Of Financial Catastrophe
A couple of years ago if you had asked me what I would do if an emergency presented itself and I needed some money quickly, I would probably have told you, “That’s what credit cards are for!”. Just put it on the card and pay it off when you can! Emergencies aren’t really something you […]
Conventional Wisdom: Invest 15% Of Yearly Income Once You Are Out Of Debt
There is conventional wisdom that you should save and invest 15% for retirement. Where does that come from and will investing that much be enough for you?
Why You Should Save 3 To 12 Months Of Expenses In Emergency Savings
The large emergency fund or contingency fund is an important part of a good financial plan. Here’s why you should save 3-12 months of expenses.
