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Household finances can feel like a moving target when you’re juggling everything else life throws at you. Bills, groceries, school costs, subscriptions, childcare, and insurance all seem to hit at once. For a lot of moms, the real challenge isn’t the money itself, it’s keeping track of all the pieces without losing your mind. Keep Reading How Busy Moms Can Organize Household Finances in One Afternoon was originally published on WhatMommyDoes.com
I know most of you are off enjoying the holiday weekend. I always note it as the halfway point for the year. I thought about keeping the topic light due to the holiday. However, I rejected it to go in the exact opposite direction. Maybe make this the center of your BBQ party debates – you’ll be the life of the party. The 2026 Trustees Report came out last month, and the headline is the […]
As prices go up on everything we pay for, it’s critical that we don’t overpay on any of the big bills we get. While you can’t do much about your rent or your mortgage, one big annual bill that deserves attention is insurance. I’ve made it my mission to pay as little as possible for car insurance. As a relatively safe driver, I’ve been fortunate to qualify for various discounts but there’s always more you can do. Here are the things I’ve done to reduce it: Table of ContentsShop AroundImprove Your Credit ScoreUpdate Your Annual MileageIncrease Your DeductibleBundle Bundle BundleAdjust Your Coverage With AgeAsk Your Agent Shop Around Obviously, first step is to comparison shop. This is the biggest bang for your buck, as insurance companies compete like crazy for your business and you should take advantage of it. Find out if you can get insurance for cheaper elsewhere. If you haven’t done a check in a year or two, takes a few minutes to confirm you’re can’t just switch and save hundreds. You can sometimes bring this offer to your existing insurer and they will do what they can to match or beat it. 👉 Check if you’re overpaying on car insurance Improve Your Credit Score In many states, your credit score is used to determine your insurance rates because it’s predictive of future claims. You can reduce your rates by taking these steps to improve your credit score. Not every state allows this though. California, Hawaii, Massachusetts and Michigan do not allow insurers to use that information to set rates. Maryland, Oregon, Utah, Washington, Nevada, and North Carolina set restrictions on how much they can use it… but every other state allows it. They don’t use your FICO credit score, they use a proprietary credit-based insurance score but it follows many of the same factors as your actual credit score… so improving it will help. Update Your Annual Mileage I work from home and so my annual mileage is typically much lower than the average American who commutes 27 minutes a day. (source) When I told my insurance agent, they were able to lower my premiums because fewer miles on the road means less risk. In my case, they didn’t need to know the actual mileage. They just recorded that I worked from home and I didn’t commute every day. As a result, I don’t have to confirm my mileage each year. Your insurance company may treat this differently. Some require you to estimate your actual mileage, send in your odometer readings each year, but it’s still worth checking if your mileage is considered “low” by the company. Increase Your Deductible Every insurance policy has a deductible, which is what you will pay on each claim before the company does. The higher the deductible, the less you’ll pay in premiums because you’re taking on more of the risk. A policy with a $1,000 deductible is much cheaper than one with a $500 deductible. If you can afford to
Welcome to “Thank God I’m FI” Friday, Volume #175 Here are some things I really like and that you might too! Financial Independence/Work Life/Retirement Articles & Content The three biggest challenges following extreme early retirement (Early Retirement Extreme) “These… The post T.G.I.F. Friday: Volume 175 appeared first on Accidental Fire.
A while back, I wrote a big rambling post about all the things I want my boys to know about money by the time they’re grown. Twenty-four lessons, all the way from “save 20% of every paycheck” to “marry someone with similar money views.” It felt good to get it out of my head. But … Read more
Our monthly Singapore expense report for June 2026. Six months of tracking are in: A comfortable two-person lifestyle is averaging about $3,100 a month. As always: track everything, watch the trailing 12-month average, ignore single months. The post FIRE Trial Expense Report — June 2026: Is Singapore Really That Expensive? appeared first on Turtle Investor.
It’s been a really long time. 2025 was pretty wild. I spent a couple of months freaking out about the speed and horribleness of the new administration. Eventually, I came to a place of calm about what it could mean for my job, and was then just left worrying about… everything else. There is a lot to worry about there, and it feels a bit hopeless, but maybe we are at least slowing fascism’s. Maybe […]
Stocks are often described as one of the best long-term hedges against inflation. While that statement is generally correct, it can contribute to more retirement planning mistakes than most people realize. The issue is not that stocks fail to outpace inflation over long periods, but that many retirement plans often assume inflation has been addressed simply because stocks are in the portfolio. In reality, a portfolio’s ability to preserve purchasing power over time and a retirement […]
Geopolitical conflicts often influence global energy markets, trade flows, and consumer prices within days. Events involving the United States and Iran have repeatedly demonstrated how regional tensions can affect oil prices, financial markets, and economic confidence. The International Monetary Fund (IMF) and The World Bank have consistently noted that external shocks can create ripple effects that reach households far beyond the countries directly involved. Periods of uncertainty remind families why financial resilience matters. Rising fuel […]
Don’t miss an episode of our podcast, Personal Finance for Long-Term Investors. Available on all podcast players. Here’s the latest episode: Sequence of returns risk is a great topic for retirement. I’ve discussed it a few different times: Episode 87 Episode 140 Episode 134 Episode 131 But the only point of this blog post is to share a very simple spreadsheet example that illustrates exactly how it works. Here’s the spreadsheet. If you’d like your own copy to play with, go to File – > Make a Copy. Here’s what to look at. You’ll see two examples. A “Good” sequence and a “Bad” sequence. The two examples are identical except for the portfolio returns. They have the same starting values and the same annual withdrawal amounts. The sequences themselves are identical-but-opposite. The “Good” sequence starts at 10% and decays down to (-10%). The “Bad” sequence does the opposite, growing from (-10%) up to 10%. When averaged, these two sequences are IDENTICAL! So if you have two identical investors with two identical AVERAGE returns, shouldn’t their results be the same? No! Because the sequence really matters. We see here that the “GOOD” investor ends with ~$700K, while the “BAD” investor runs out of money. By the time the “BAD” investor had any positive returns, their balance was so low that the positive growth still could not keep up with the annual withdrawals. This is the sequence of returns risk at play. Thank you for reading! Here are three quick notes for you: First – If you enjoyed this article, join 1000’s of subscribers who read Jesse’s free weekly email, where he send you links to the smartest financial content I find online every week. 100% free, unsubscribe anytime. Second – Jesse’s podcast “Personal Finance for Long-Term Investors” has grown ~10x over the past couple years, now helping ~10,000 people per month. Tune in and check it out. Last – Jesse works full-time for a fiduciary wealth management firm in Upstate NY. Jesse and his colleagues help families solve the expensive problems he writes and podcasts about. Schedule a free call with Jesse to see if you’re a good fit for his practice. We’ll talk to you soon!
When you first hear about the Trump Account, it’s easy to dismiss it as just another government program, or even tune it out because of the name. That would be a mistake. Politics aside, this new investment account could become one of the most powerful wealth-building tools available for children. Imagine giving a newborn a small investment that has nearly two decades to grow before they can touch it. Then imagine that, at age 18, […]
Thank you for all the thoughts and prayers. Life is slowly resuming some sense of normalcy aWhen History Buff and I arrived from Vegas, we already had a plan to continue hiking together. We visited several national parks during our travels including Sequioa National Forest, Red Rocks, and the Grand Canyon. But we also discovered that we both really wanted to master paddle boarding (SUP). I can’t remember if I wrote a few years ago about going paddle boarding with my neighbor in Georgia. She and I had become friends and she’d invited me to try it. They had blow up boards and I fell in love. But was soooo out of shape and not in a position to take on anything else then. But now… Hope on her new paddleboard after testing it out in the comfort of her living room. Personal picture. You guessed it. Both History Buff and I purchased paddle boards. Here’s a link to mine (picture above.) I got a wide, heavy duty one suitable for 3 people. Figured since I wanted to do this, I wanted to be prepared for Addie to go with. We just took them out for the first time. Gymnast went with us to assist, mostly me. And it went spectacularly. Even Addie got into the fun I am so excited. Hope, Addie and Austen out at Barton Springs in Austin, TX on their paddle boards. Picture taken by Gymnast from the shore. My board cost me $271 dollars. Life vests for Addie and I cost $73. I haven’t purchased an electric pump. I did purchase a $8 attachment for my electric tire pump/car jumper though. And there are an abundance of places within an hour or so where we can go. And since it is deflateable, I plan to take it with me in August. My old neighbor and I will hit the lakes there in Georgia. The experience I plan to have as I master this new adventure…Priceless! Good for my body, soul, and mind! Especially now when I need it the most. The post A $300 I don’t regret spending appeared first on Blogging Away Debt.
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