Favorite Good Cause

I have to say, I’m really sort of amused, in a serious kind of way. Here’s the deal. I’ve been playing with my little itty bitty investment portfolio for about six years now. It’s done great actually. It would have done so much better if I hadn’t raided the Apple stock that I bought at […]

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Make a list of all the fees you’ve been charged in the last month. This includes ATM fees, late charges, over limit fees, overdraft fees, credit card interest. Anything else?

Posted in Weekly Projects Comments(0)

Where to begin? Everything is connected. If you’re reading these posts and trying to solve a problem, I would bet that you probably get to the end of a post on, say, budgeting, or cash flow, saying BUT that’s all great but I can’t do THIS because I can’t change THAT, whatever this and that may be. […]

Posted in Encouragement!, Philosophy Comments(0)

I look at cash flow from two sides. The long term tells me where I’m going–am I eventually going to build any wealth, or am I continually digging a deeper and deeper pit? The short term has to do with crisis management. I think of it as two separate but similar tools.
First the short term. […]

Posted in Mechanics Comments(0)

The problem I’ve had with managing my money is that in the short term, things often seem very futile. This mainly comes from the fact that I am in graduate school and my stipend in very inadequate. I’ve had a constant conversation with myself about opportunity costs and whether it’s completely foolhardy for me to […]

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My grandmother was a tough, smart, obstinate woman who raised five children. She could organize the heck out of anything you put in front of her. She spoke her mind, usually whether you wanted to hear it or not. I had no idea, when she was still alive, how accomplished she was. I appreciate that […]

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This is such a fundamental tool that it has always surprised me how seldom the basics are taught. Let’s work out a monthly budget.
Here are the basics…
A budget has two sides: income and expenses. The first thing to do is figure out how much income you have in a month. Pull out the pay stubs, […]

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My son turned 18 last week, a very momentous occasion. I thought long and hard about what I could give him to help him on his way as an adult, something that would let him know that he is not alone, and will never be alone. Something that will guide him to have the independence […]

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