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My husband and I bought a 5-year-old vehicle 7 years ago, a particular make and model with high ratings for both reliability and owner satisfaction that holds its value well. The car has been incredibly dependable — even through a cross-country move a few years back. Recently, however, we’ve noticed an uptick in our vehicle maintenance and repair costs so we have started thinking about selling or trading it in before the transport eats up […]
TurboTax, one of my picks for the best tax prep programs, has a unique promotion currently live for this tax season where you can switch to TurboTax and file all tax forms 100% free in the TurboTax app (versus the web interface). What makes this a unique and compelling offer is that it includes all forms and any tax situation (e.g. everything covered under the “Deluxe” and “Premium” TurboTax versions). This offer excludes TurboTax Experts versions that come with live support assistance from TurboTax experts – so it’s a fully-DIY promo. You must file by Saturday, Feb. 28 for this The post Switch to TurboTax & File All Forms Free by 2/28 Promotion (+ 10% Off for Previous Users) appeared first on 20somethingfinance.com.
February is the perfect reset month. The holidays are behind us. The excitement of January goals has faded a little. And for many families, money feels…tight. This is usually when people think, “I need to stop spending altogether.” So they try an extreme no-spend month……and quit by day five. Or maybe that’s just me. Because let’s be honest — life doesn’t stop. Kids still need groceries. Cars still need gas. Someone always forgets the science […]
Before our post today, I just wanted to let you know our new book got a rave review from Publishers Weekly! “Readers will find this a welcome counterpoint to alarmist narratives about the cost of starting a family.” Until Feb 17, you can get “Parent Like a Millionaire (Without Being One)” for only $13 USD! After this date, the price goes back up to $20 USD. If you buy both our books, you get the […]
Beginning next month, March 1, I have officially decided to operate on a cash only basis. I will be working this month to prepare for this really big change. Getting Ready Last month I moved my LLC from GA to TX. I’ve got to finalize the legalities of that move. New EIN, new business bank accounts and so on and so forth. I’ll be closing my one and only business credit card account this month. As a security measure, I will have one personal and one business checking account with no debit card, no ties to any 3rd party accounts (Venmo, CashApp, Paypal, etc.), essentially as isolated as I can make it. Then I’ll alternate accounts for debit and 3rd party transactions. I’m hoping this will prevent my primary cash accounts from ever being compromised. Because I’ve been operating like this with my personal accounts for some time, or rather, had two accounts already that I used for different functions and had existing debit cards and scheduled transactions, I will set up a 3rd checking account that will become my primary/isolated account. Auto Transactions Next, I will be working through my existing budget and transferring all my auto-pays and subscriptions to the appropriate account debit card – personal or professional. I’ll have to be eagle eyed on my accounts to make sure I don’t overdraw anything. But I know I can do this. Big Move This is a HUGE shift for me. If I don’t have the cash, I can’t do it, buy it, spend it. There is no more…I’ll pay it when I get my next paycheck. There is no more just spending with no immediate consequence. I’m also working on a brand new budget. I fully intend to, like Proverbs says…pursue a debt free life with Gazelle intensity. And with this new budget, I will actually be using some actual paper cash. At least that’s the goal. But then I started to worry about all these places that are now “cash free”. But never fear “Apple Cash” to the rescue. I’m going to fund my “Apple Cash” from my checking account. That will still allow me to use the convenience and security of the tap, but I think it will also allow me to feel the PAIN of spending. My thought is if I only fund it once a month…gas money, fun money, etc. then I will hesitate more to spend because I know when it’s gone, it’s gone. This is a work in progress. But it’s scary and a going to be a BIG MINDSET change for me. HUGE. The post First Credit Card Free Month appeared first on Blogging Away Debt.
As I’ve written before, the most common financial planning mistake I see is to spend too much time focusing on asset allocation (or investments more broadly) and tax planning, while leaving one or more other major parts of the financial picture unaddressed. That’s often estate planning, some gap in insurance coverage, or spending tracking. But it can also be major gaps in cybersecurity/anti-fraud practices. So on that note, this article is the first in a […]
How to Retire Happy, Wild, and Free by Ernie J. Zelinski was one of the books that chose for my 2026 personal finance resolutions. I see Ernie’s comments in Joe’s Retire By 40 blog frequently, and then I saw his book mentioned in another book … Read moreHow to Retire Happy, Wild, and Free Book Review The post How to Retire Happy, Wild, and Free Book Review appeared first on Genymoney.ca.
One of the biggest mistakes you can make if you want to be consistent is trying to “trick” your brain. We’ve all seen the advice: “Just do it for two minutes.” “Give yourself a reward.” When I was stuck and wanted to change my life, I fell for it too. I remember watching a YouTube video more than 10 years ago about “proven hacks” and trying it. Well, those techniques worked… for a few days. […]
🎙️Episode #474 – Hidden CapEx can wipe out years of rental profits. Learn the simple ways to forecast, budget, and protect your cash flow from… The post Unexpected CapEx RUINS Cash Flow (How to Avoid It) appeared first on Coach Carson.
As investors, we often talk about the moat of a company. What does this mean exactly? A company’s moat, sometimes referred to as the economic moat, is the competitive advantage a company has over competitors. … Read more
Mom rage is one of those terms that gets thrown around a lot — but rarely explained in a way that actually helps. Most advice about mom rage sounds like this:Be more patient.Take better care of yourself.Walk away.Count to ten. And while those things aren’t wrong, they completely miss what’s actually happening in the moment rage shows up. Mom rage isn’t a patience problem.It isn’t a discipline problem.And it isn’t a self-care problem. Mom rage […]
After sharing how my investment approach evolved over two decades in Part 1, the natural question becomes: how does it all fit together? Asset allocation sounds technical, but at its core, it’s simply deciding how to distribute resources across different asset classes—and more importantly, why. From Theory to Reality: Our Great Resignation Test The true test of any allocation strategy isn’t how it looks on paper. It’s whether it works when life forces difficult decisions. […]
Photo by siamak poorjam on Unsplash Sometimes we do things that seem minor to us but somehow create a stir in others. So it seems with a couple of, to me, minor adjustments I recently made to the Collins portfolios. If you care, here’s the scoop. Adding International A couple of weeks ago… [Continue Reading] The post JL Goes International, and to ETFs…… Oh my! appeared first on JLCollinsnh.