3 Reasons Why You Need an Emergency Fund & How Much Cash to Stash

Why You Need an Emergency Fund

  Are you wondering why you need an emergency fund? I am sure you’ve heard it many times before, it’s considered one of the most important aspects of successful money management. An emergency fund is where you stash cash so you’re prepared for those unexpected emergencies that life throws at you every now and then. […]

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How Surviving Wisconsin Winters is Like Managing Your Money

How Surviving Wisconsin Winters is Like Managing Your Money

  Wisconsin is a special place for Mother Nature. She provides us with four wonderful seasons throughout the year. Wisconsinites are fortunate to be able to experience the fresh new start of spring, the long warm days of summer, and beautiful colors of fall. Even winter has its own standard for beauty like freshly fallen […]

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Financial Independence is About Controlling Your Own Destiny

Financial Independence is About Controlling Your Own Destiny

  I recently watched the HBO documentary Panic: The Untold Story of the 2008 Financial Crisis. The documentary discusses the events surrounding the cause of the 2008 crisis. And the sequence of events that the government took to prevent an economic collapse. It’s a great documentary that provides new information and sheds light on the event. […]

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What You Shouldn’t Do with Your Holiday Credit Card Debt, and How to Avoid a Repeat Next Year

  Every year after the holidays, millions of Americans complete their holiday festivities by traveling home, going back to work, returning unwanted gifts and enter the year with aspirations of sticking to their new year resolutions. Then about mid to late January, many will receive their first credit card statement or statements. Detailing just how […]

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Should You Use a 0% Balance Transfer Offer to Pay Off Debt?

Should I Use a 0% Balance Transfer Offer to Pay Off My Current Debt?

  You’ve seen these 0% balance transfer offers advertised before?   An Insane Credit Card Offering 0% Interest Transferring Your Balance to a 21-Month 0% APR is Ingenious Demolish Your Debt with this 18-Month 0% Credit Card   Are you considering a 0% balance transfer offer to pay off debt? Or maybe consolidate your debt. […]

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Understanding the Debt Trap from the Outside In – the Marketing of Debt in America

Marketing of Debt in America

  Most often the discussion surrounding consumer debt focuses on how to get out of debt. Why debt is bad, and why saving money is good.  In addition, debt is often a topic of interest for many personal finance books and blogs. These perspectives are educational, relevant and important to the cause and effort of […]

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Do You Have Self-Limiting Beliefs about Money? Getting Out of Debt

Do You Have Self-Limiting Beliefs about Money?

  Do You Have Self-Limiting Beliefs about Money? In my eBook 4 Steps – Save Cash, Eliminate Debt, I talk about our emotions being a critical factor in shaping our behaviors about money.  How you feel when you are spending, budgeting or saving can create positive or negative behaviors.  If the behaviors are negative, then […]

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The Time Value of Opportunity – Filling The Pig Personal Finance Books

Time Value of Opportunity

The time value of opportunity is the ability to recognize money saving or money making opportunities (events) that will benefit you over the course of a lifetime. The key word being recognize.  For example, in relationship to vehicle insurance.  Most think of vehicle insurance as a single annual occurrence. You pay your premium every year […]

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How to Create a Simple Budget, so You Can Start Budgeting Today

How to Create a Simple Budget

  Technology is great, isn’t it? We listen to music on our smartphones, stream HD movies over the Internet to our TV, and now Uber and Google are testing driverless cars. And when it comes to personal finance, there are smartphone apps to help you track your expenses, online budgeting tools so you can link […]

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