Tips To Improve Your Finances

People find out that I write about personal finance issues, and start asking me questions about how to improve their finances–especially the budget and overall financial bottom line.
Some of the most common issues when trying to manage your personal finances have to do with the information, how often you get it, and what you do with it. Here’s a list of tips that can help you do better...
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How Procrastination Can Save And Cost Money

How does procrastination save money? It sounds like a pretty absurd concept compared to the question of how procrastination costs money. And it’s true that in many cases, looking to procrastination to help you save is a truly dumb idea unless you are not talking about blowing off your financial commitments in favor of staying liquid in a financial sense.
How Procrastination Can Help You Save
No-spend...
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Five Money Lessons from Joejuan Williams

There are five lessons to be learned from Joejuan Williams’ money mastery. He lives off 10% of his multimillion-dollar income, and I’m not sure I’ve ever been more proud of a stranger.
Learn good habits early
Joejuan Williams credits a finance course he took in high school that helped him form his good practices as a millionaire. He learned about 401(k) plans, certificates of deposits,...
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Stop Living Paycheck to Paycheck

You’ve decided to stop living paycheck to paycheck, and now you have work to do. Money doesn’t magically stretch to cover all of your expenses because you need more time. You have to make it fight for you.
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Change Your Mind
The first step in getting out of the paycheck-to-paycheck cycle is to consider your thoughts about money. Do you see more money as the answer...
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How to Recession-Proof Your Finances

If you think you can’t recession-proof your finances, then think again. The signs are all there of a looming economic downturn, but you can protect yourself. The key is to start now.
What is Your Starting Point?
First, you need to review your financial situation. Review all of your accounts, even those you thought you closed but didn’t. Write down your payments, their due dates, and their...
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