Christmas Archives - Critical Financial

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Here’s How to Have a Merry Christmas on a Budget

Posted by Tae Haahr on Nov 21st, 2018 · 0 Comment

As the holiday season inches toward us, chances are our bank accounts are feeling a little bit of pre-holiday spending pain. There’s the decorations, the food, the celebrations, and the presents. Christmas can add up really fast. Tae HaahrTae started out as a journalist before following the money into the corporate world. But it turns out that the grass isn’t always greener and now you can find...
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7 Practical Gifts a Minimalist Will Enjoy

Posted by Will Lipovsky on Dec 22nd, 2014 · 0 Comment

gift ideas minimalist, hipster, college student, 20-something, budget,practical gift

Do you have someone on your holiday shopping list who says they don’t want anything? Do they think the whole notion of giving gifts is silly? Maybe they’re a minimalist. When I say minimalist, I’m referring to a person who prefers to live life with few material possessions. They only want what they need. An electronic wine bottle opener doesn’t excite them. A heated towel rack...
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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.

Here’s How to Have a Merry Christmas on a Budget

7 Practical Gifts a Minimalist Will Enjoy

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