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A Financial Guide to America in the 21st Century

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Do You Want To Build Credit?

Do You Want To Build Credit?

Jul 16th, 2020 · 0 Comment
  Do you know what to do to build credit and establish yourself as a good credit risk? Believe it or not, the way you approach a small...
more →
Avoid Debt Confusion

How to Avoid Debt Confusion

Jul 13th, 2021 · 0 Comment
When you have more debt than you can handle, the natural reaction is to shut down. You may not even know how much debt you have, what interest... more →
Mortgage at a Young Age

Should You Get a Mortgage at a Young Age?

Jun 18th, 2021 · 0 Comment
The single biggest purchase you will make is your home. Many people will spend 30 years (or longer if they continue to refinance) paying off... more →
Increase Your Credit Score Quickly

How to Increase Your Credit Score Quickly

Jun 1st, 2021 · 0 Comment
If you’re in the market for a new home now that the interest rates are at historic lows, you may need to increase your credit score quickly.... more →
Manage Rewards From Multiple Credit Cards

How To Manage Rewards From Multiple Credit Cards

Apr 22nd, 2021 · 0 Comment
Some need help learning how to efficiently manage rewards from multiple credit cards. If you are already using more than one credit card and... more →
How To Make Money Flipping Items

How To Make Money Flipping Items

Mar 18th, 2021 · 0 Comment
Want to learn how to make money flipping items? In a lot of cases, the hardest thing to do is to get started, but once you get past the initial... more →
swiss banking

Swiss Bank Accounts for Non-Residents

Mar 4th, 2021 · 0 Comment
Swiss bank accounts for non-residents are appealing because of their perceived anonymity as well as having certain perceived business and tax... more →
small things that add to electric bill

Small Things That Add to Your Electric Bill

Feb 18th, 2021 · 0 Comment
There are lots of small things that add to your electric bill. Little things in a typical American home that may cause a larger burden on your... more →

Dangers of Being Too Frugal

Feb 4th, 2021 · 0 Comment
  Are there dangers of being too frugal? Some believe in an old wheeze that goes something like this; “if you spend all day making... more →
rent with bad credit

Where to Rent When You Have Bad Credit

Jan 21st, 2021 · 0 Comment
  Where to rent when you have bad credit? The biggest misunderstanding people have about this issue is the mistaken assumption that you... more →

How to Maintain Two Homes Efficiently

Jan 7th, 2021 · 0 Comment
Many are tempted, but fewer have good ideas starting out how to maintain two homes efficiently. If you’ve ever been tempted to own a second... more →
refinance loan coronavirus

How to Get Out of a Timeshare

Dec 29th, 2020 · 0 Comment
Do you need to learn how to get out of a timeshare? The very first thing you need to do in order to consider your options to ditch a time share... more →
spend-down philanthropy

Why is spend-down philanthropy increasingly popular?

Dec 3rd, 2020 · 0 Comment
Why is spend-down philanthropy increasingly popular? Before we answer the question, let’s define our terms. There are two basic types of charitable... more →
real estate investing, properties

The 3 Sacred D’s Of Real Estate Investing

Nov 30th, 2020 · 5 Comments
  What are the 3 Sacred Ds of real estate investing? There are plenty of reasons you might need to sell a property or get rid of real estate.... more →
How Does Inflation Affect Purchasing Power?

How Does Inflation Affect Purchasing Power?

Nov 19th, 2020 · 0 Comment
How does inflation affect purchasing power? To begin to understand how it works, it helps to know what purchasing power is and how it’s defined.... more →

Do you need to tip a house painter?

Nov 11th, 2020 · 1 Comment
When it is time to repaint, is it good etiquette to tip a house painter? Some people are more prone to tip, while others feel the base price... more →
When Is Best Time to Buy Christmas Items

When Is the Best Time to Buy Christmas Items

Nov 5th, 2020 · 0 Comment
    When is the best time to buy Christmas items? Opinions vary–some are still big believers in Black Friday, the first shopping... more →
Invisible Tax

What You Should Know About The Payroll Tax

Oct 28th, 2020 · 2 Comments
What is the payroll tax? There are those who have no opinions on these taxes at all, while some employers argue the taxes are a burden to small... more →

Items You Can Buy in Bulk to Save Money

Oct 20th, 2020 · 0 Comment
Do you need a list of items you can buy in bulk to save money? During financially stressful times there are many things you can and probably... more →
Are investing couses worth it

Are Investing Courses Worth It?

Oct 8th, 2020 · 0 Comment
Are investing courses worth it? Sadly, there is no cut-and-dried answer to this question since much depends on both the quality of the courses... more →

How to Fix a Sagging Headliner

Oct 8th, 2020 · 2 Comments
Is there anything worse than driving a car while being annoyed by a sagging headliner touching your head? It’s inevitable with some makes... more →
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About the Author

Melissa is a writer and virtual assistant. She earned her Master’s from Southern Illinois University, and her Bachelor’s in English from the University of Michigan. When she’s not working, you can find her homeschooling her kids, reading a good book, or cooking. She resides in Arizona where she dislikes the summer heat but loves the natural beauty.


Critical Financials’ Basic Personal Finance Rules

Here are some simple guidelines that will help you build wealth:  

1) Do the math. Get a budget and calculate your net worth

2) Get an emergency fund. Save at least 6 months worth of expenses

3) Limit costs. Spend no more than 30% of your income on housing

4) Max your retirement. Maximize contributions to your tax-deferred retirement accounts

5) Pay yourself first. Set aside money for yourself before you take care of your other bills

6) Set goals. Goal let you get ahead faster

7) Avoid high interest debt. Avoid credit cards, title loans and other usurious loans

8) Diversify. Diversity your assets.

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