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Category Archives: Counting Your Pennies

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Trimming the Fat

Not from your waistline, but from your monthly bills. Twenty five years ago when I helped people plan for retirement, we didn’t even factor in monthly cell phone, internet and cable or satellite expenses.  Now they easily run over $500 combined every month. We tend

It’s Never Too Early

The Time Value of Money is the oldest, wisest concept ever created for investors. Wait until you see what you could create by saving less than $7 a day toward college for an unborn baby! The real power of this concept comes from rate of

bread-winner

Money and Marriage

“Marry a woman more frugal then you,” is great advice from one of my favorite books, The Millionaire Next Door. As some guys will tell you, it’s a lot easier said then done.  For those guys that have married a frugal woman, money is usually

Shut up and take my parents money

Shut Up and Take My Money

Those of you that know me, know that every year I take my family on vacation, usually to a warm beach in Mexico over Christmas break. This year we decided against it and the reason was that my three spoiled teenage kids don’t seem to

YearEnd

10 Financial Things To Do Before Year End

       There are a lucky 13 days remaining in 2014 it’s not too late to consider at least one of these financially savvy ideas: Taxing matters If you’re paying estimated taxes, now would be a good time to review your payments, especially if you had

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Fictitious Balance on Your 401k/IRA Account Statement

Your account balance carries a hidden surrender charge. Millions of working Americans contribute a percentage of their earnings to a 401k account while many also have IRA accounts, most of which were formerly 401k that were rolled over to IRA’s. While some people follow the

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Money vs. Memories: The Cost of Being Too Frugal

Being frugal all the time can cost you plenty in the form of memories. Life is too short to not splurge a little for memorable experiences, even if it means being less frugal and paying extra for special activities or events. There are 365 days

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High Gas Prices Cripple Economy

 After taking my son on a baseball trip last week to Cincinnati and driving over 1,000 miles and spending $200 in gas, I thought about the impact gas prices have on people’s lives. Listening to parents complain about all the driving gets old after a while, but it sure

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