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Getting Out of Debt

How to Use Gift Cards to Save Money

March 16, 2023 by Brett Tams

Check out how to make the most of your gift cards and save money now.
Posted in: Credit Cards Tagged: 2, 2021, 2022, advice, All, Amount Of Money, baby, baby steps, balance, bartering, before, big, birthday, bonus, bonuses, brick, Budget, Budgeting, business, Buy, buyer, Buying, cash back, categories, Christmas, coffee, company, couple, Credit, credit card, credit cards, customer service, data, Deals, Debt, dining, Discounts, display, earning, Entertainment, existing, expenses, Extra Money, Family, Financial Wize, FinancialWize, fixed, Free, funds, furniture, gas, Getting Out of Debt, gift, Gift Cards, gifts, groceries, grocery, habits, holiday, Holidays, How To, items, list, Living, LOWER, Make, making, man, Managing Money, market, money, More, new, offer, offers, Original, Other, Personal, personal care, photos, place, plan, policies, present, price, Prices, protection, Purchase, Raise, reach, ready, reminder, resale, Research, restaurant, restaurants, Reviews, routine, save, Save Money, Saving, saving money, savings, scams, Sell, selling, shopping, Sites, social, Spending, starbucks, stock, story, Strategies, stretched, Style, survey, target, the balance, time, tips, under, value, variable, walmart, wants, will, woman, women, workers, wrong, young

10 Essential Factors of a Retirement Planning Checklist

February 24, 2023 by Brett Tams

If there’s one thing that you don’t want to do twice, that would be retiring. Imagine having to go back to work after you’ve called it quits. Yuck!! I’ve heard horror stories of this happening and the most common culprit is lack of planning. Planning your retirement is something you do not want to take […]

The post 10 Essential Factors of a Retirement Planning Checklist appeared first on Good Financial Cents®.

Posted in: Retirement, Starting A Family Tagged: 2, 2021, 401k, AAMS, Accredited Asset Management Specialist, Advertising, advisor, affordable, All, analysis, author, Auto, Bank, basic, before, big, Big Picture, bills, Blog, blue, blueprint, bond, book, brokerage, Budget, business, car, categories, cents, checklist, cnbc, color, commission, cost, couple, Credit, credit card, custom, Custom Fit, data, Debt, debt free, Debts, disclosure, downsizing, Downsizing your home, eating out, employer, entry, expenses, experience, experts, Featured, fiduciary, Finance, finances, Financial Advisor, Financial Freedom, Financial Wize, FinancialWize, Free, freedom, front, funds, Get Out of Debt, Getting Out of Debt, goal, good, Google, great, green, groceries, health, Health care, Health Insurance, healthcare, hold, home, horror stories, Illinois, Income, industry, Inflation, Insurance, investment, investments, IRA, job, Learn, Life, Lifestyle, Links, list, Live, Living, Local, LOWER, Main, Make, making, market, markets, md, Medical, medical bills, Medicare, Medigap, mistake, money, More, needs, new, new york, new york times, nursing home costs, offer, office, orange, Other, penny, pension, Personal, personal finance, personal finances, place, plan, planner, Planning, plans, podcast, portfolio, portfolios, premium, Purchase, quality, Quotes, reach, ready, Research, retire early, retirement, retirement accounts, retirement funds, Retirement Income, retirement plan, Retirement Planning, Review, save, Saving, savings, science, SEC, security, selling, social, social security, Software, Spending, spouse, Start Saving, stories, tax, The Wall Street Journal, time, tools, tracking, trust, under, unique, wall, Wall Street, wealth, wealth management, will, work, working, youtube

Getting Rich with Science

February 24, 2023 by Brett Tams

An angry man by the name of Jared stopped by the blog the other day and left this beauty of a comment on my old A/C article:   Now, my first inclination was probably the same as yours – a deep sigh as you pull on the 20 ounce XL bloxing gloves and prepare to Deliver […]

Posted in: Money Tips Tagged: 2, air, Air Conditioning, Alabama, All, assumptions, basic, Beauty, bed, bills, Blog, bonus, Built, bullshit, business, Buy, Buying, clear, climate, collecting, Convenience, country, Debt, decades, decisions, double, Economics, Economy, education, Emergency, emotion, energy, environment, existing, expensive, Fall, Financial Wize, FinancialWize, Free, freedom, Frugality, fun, garage, gas, Getting Out of Debt, gifts, goals, good, government, great, Happiness, health, healthy, hot, house, How To, how to get rich, ideas, industry, Learn, less stuff, Life, Lifestyle, Live, Living, LOWER, Make, man, market, Medical, Millionaire, modern, money, More, more money, natural, neighbors, new, News, offers, opportunity, Other, patterns, politics, predictably irrational, pretty, protect, Psychology, Research, rich, right, risk, running, safety, sailing, Saving, science, Side, simple, society, stock, stock market, story, The MMM Blog, The Stock Market, time, united, value, wants, Websites, will, windows, work, wrong

How to Master the Art of Delayed Gratification

February 23, 2023 by Brett Tams

When it comes right down to it, what is the true key to financial success? You could argue that the key is getting enough marketable skills to be able to earn a decent income. Or that the key is to consistently track your monthly spending in a budget spreadsheet. Or you could even argue the […]

The post How to Master the Art of Delayed Gratification appeared first on Good Financial Cents®.

Posted in: Retirement, Starting A Family Tagged: 2, 2021, Advertising, All, analysis, Appreciate, art, author, Auto, Bank, bank account, big, Blog, blue, Budget, car, car loan, Career, cents, Checking Accounts, color, commission, Credit, custom, data, Debt, decision, deposit, disclosure, diversity, down payment, entry, experience, experts, Fall, Finance, finances, financial hardship, Financial Wize, FinancialWize, food, Free, front, fund, funny, future, Getting Out of Debt, goal, goals, good, Google, great, green, habit, health, hold, home, homes, How To, ideas, Income, industry, Invest, Investing, investments, IRA, kids, kitchen, Learn, Life, Links, list, Living, loan, Loans, Main, Make, md, Media, mindset, money, More, Mortgage, new, new home, new york, new york times, one day, orange, Other, Personal, personal finance, personal finances, personality, place, Planning, Purchase, quality, questions, Relationship with money, Research, restaurant, restaurants, retire early, retirement, Retirement Planning, Review, reward, rewards, right, roth, Roth IRA, Saving, saving money, shopping, short, Spending, spreadsheet, student, Student Loans, The Wall Street Journal, time, tips, title, tools, tricks, trust, under, value, wall, will, work, working

How I budget with a variable income

February 22, 2023 by Brett Tams

It seems like everybody’s goal lately is to leave their job and become a freelancer. And that’s great! Freelancing gives you flexibility and control — and, plus, you get to work from home in your yoga pants.

But as someone who has transitioned into that role full-time, there are certain things I do miss about having an employer:

  • 401(k) match

Posted in: Budgeting, Personal Finance, Retirement Tagged: 2, All, before, Benefits, big, bills, brokerage, Budget, Budgeting, business, Checking Account, choice, coffee, Debt, double, Emergency, Emergency Fund, employer, expenses, finances, Financial Goals, Financial Wize, FinancialWize, Free, fund, funds, Getting Out of Debt, goal, goals, great, home, Income, Insurance, Invest, investment, IRA, irs, job, Living, living expenses, low, max out, money, monthly budget, monthly expenses, More, office, paycheck, Paying Off Debt, Personal, pretty, Rent, retirement, retirement account, right, roth, safety, Salary, save, Saving, savings, Savings Account, Savings Accounts, Savings Goals, Spending, story, Style, tax, tax time, taxable, taxes, time, timing, title, traditional, traditional IRA, variable, will, work, work from home

We Paid Cash: A Month-Long European Family Vacation

February 22, 2023 by Brett Tams

A testimony from Jessica who blogs at Life as MOM and Good Cheap Eats My husband and I honeymooned in France and assumed we would return every year. Then life happened. Graduate school, unemployment, a baby, a house, miscarriages, more babies, more debt, more stuff got in the way of our newlywed dreams of travel.Read More

Posted in: Real Estate News Tagged: 2, 2016, All, anniversary, ATM, author, baby, Bank, bank account, Banking, big, Books, Budget, Children, Crystal Paine, data, Debt, Debts, disclosure, entry, expenses, Extra Income, Family, Financial Wize, FinancialWize, fun, fund, Getting Out of Debt, goal, good, great, hold, home, house, Income, Inflation, kids, Life, Links, LITE Feed (non-deal) Posts, Live, Make, making, memories, meta, module, money, More, newlywed, Other, plan, plans, Quotes, return, Saving, School, Spending, story, time, title, Travel, under, Unemployment, vacation, vacations, We Paid Cash, Wedding, work

The Danger Of Normalizing Your Debt – Stop Living Like Everyone Else

February 20, 2023 by Brett Tams

Instead of living debt free, we’re currently in a debt crisis, and I’m not being political when I say that. I’m talking about a personal debt crisis in which the average person pays for many purchases, both small and large, with money they don’t actually have, therefore taking on more and more debt. And, the […]

The post The Danger Of Normalizing Your Debt – Stop Living Like Everyone Else appeared first on Making Sense Of Cents.

Posted in: Debt, Home Tagged: 2017, 30-year, 3D, advice, All, average, balance, before, bills, Budget, build, Buy, Buying, car, car loans, cell phones, cents, Clothing, create a budget, Credit, credit card, Credit Card Debt, credit cards, Crisis, data, Debt, debt free, decades, decision, dream, dream vacation, Emergency, Emergency Fund, Entertainment, expenses, expensive, experience, Fall, Fees, Finance, finances, financial goal, Financial Goals, Financial stress, Financial Wize, FinancialWize, food, Free, front, fund, furniture, future, gadgets, Getting Out of Debt, Giving, goal, goals, good, guide, gym, habit, Happiness, hold, hole, home, homes, house, household, How To, Income, interest, items, job, Learn, lessen, Life, Lifestyle, Live, Living, Living debt free, loan, Loans, Make, making, manage, Media, mindset, module, money, More, more money, Mortgage, Mortgages, needs, new, Other, Paying Off Debt, payments, Personal, personal finance, place, Purchase, random, reach, reminder, restaurants, retirement, save, Save Money, Saving, Saving for Retirement, simple, Spending, Stop comparing yourself to others, stress, student, Student Loans, time, title, tv, upgrade, vacation, wants, Wants and Needs, Ways to Save, Wedding, weddings, will, work, wrong, young

How to Invest $500: 13 Ways to Grow Your Money

February 20, 2023 by Brett Tams

Many multi-millionaires started investing small sums, even $10 or $25 per month! The key to making your money grow is putting it in an investment that suits your risk tolerance and goals and adding more regularly. If you have $500 to spare, here are 13 ways you invest it for the short-term or long haul.

The post How to Invest $500: 13 Ways to Grow Your Money appeared first on Good Financial Cents®.

Posted in: Money Basics Tagged: 2, 2021, 2022, AAMS, Account management, Accredited Asset Management Specialist, Advertising, advisor, All, Alternatives, analysis, apartment, app, Apps, art, ATM, author, Auto, average, balance, Bank, Banking, BAT, before, Benefits, betterment, bitcoin, Blog, Blogging, blue, bond, bonds, book, Books, build, building, Built, business, Buy, CD, CDs, cents, choice, cit bank, coinbase, Collections, color, Commercial, commission, company, Compound, Compound Interest, Conferences, Credit, credit card, Credit Card Debt, Crowdfunding, crypto, cryptocurrencies, cryptocurrency, custom, data, Debt, deposit, disclosure, discover, diversify, dividend, dividend stocks, dividends, dos, double, earning, earning money, earnings, Emergency, Emergency Fund, entry, estate, ETFs, expenses, experience, experts, Family, FDIC, FDIC insurance, Featured, Fees, Finance, finances, Financial Advisor, financial advisors, Financial Freedom, financial journey, Financial Wize, FinancialWize, fixed, fixed rate, fractional, fractional ownership, Free, freedom, fund, funds, gemini, Get Out of Debt, get rich quick, get started, Getting Out of Debt, Giving, goals, good, Google, government, great, green, Grow, growth, guide, Hiring, hold, Homepage, homes, How To, How to Get Out of Debt, how to invest, How to start a blog, Illinois, Income, Income Taxes, index, index funds, industry, Inflation, Insurance, interest, interest rate, internet, Invest, invest in real estate, Investing, investment, investments, investors, IRA, journey, landlord, Learn, Life, Lifestyle, list, lists, Live, low, LOWER, m1 finance, Main, maintenance, Make, Make Money, making, market, md, Media, Medical, mobile, Mobile App, Mobile Apps, model, money, More, Move, Multi-Family, new, new york, new york times, offer, offers, office, one year, online business, Other, ownership, passive, passive income, Paying Off Debt, Personal, personal finance, personal finances, pie, place, plan, planner, Planning, podcast, Popular, portfolio, portfolios, pretty, principal, products, Purchase, quality, rate, Rates, reach, ready, Real Estate, rebalancing, Relationships, Research, Residential, residential real estate, retirement, retirement account, retirement accounts, Retirement Planning, return, returns, Revenue, Review, Reviews, rich, right, risk, robinhood, robo-advisor, robo-advisors, roth, Roth IRA, safe, save, Saving, savings, Savings Account, Savings Accounts, savings bonds, science, SEC, Sell, selling, shares, short, Side, Sites, social, Social Media, sofi, Sports, stock, stock market, stocks, storage, stories, streaming, tax, tax loss harvesting, taxes, Technology, The Stock Market, The Wall Street Journal, time, time horizon, timeline, tips, title, tools, traditional, trust, value, Video, wall, wealth, wealth management, wealthfront, Websites, will, work, youtube

15 Reasons You’re Broke And Can’t Save Money

February 20, 2023 by Brett Tams

I know the title of this blog post and talking about the reasons for why a person would have no money is pretty straightforward, but sometimes that approach is needed if you are going to face your financial situation more realistically. After all, one of the top reasons for why a person lands on this […]

The post 15 Reasons You’re Broke And Can’t Save Money appeared first on Making Sense Of Cents.

Posted in: Debt, Home Tagged: 2, 2017, 30-year, 3D, affordable, All, average, balance, Bank, basement, before, big, bills, Blog, Budget, Buy, buyers, Buying, car, car loans, cell phones, cents, chance, Clothes, Clothing, company, cost, create a budget, Credit, credit card, Credit Card Debt, data, Debt, Emergency, Emergency Fund, expenses, expensive, Extra Money, Fall, Family, Fees, Finance, finances, financial habits, Financial Wize, FinancialWize, food, Free, fund, funds, future, gadgets, gas, Getting Out of Debt, Giving, goal, goal setting, goals, good, Google, guide, gym, habit, habits, Have no money, helpful, hold, hole, home, homeowners, homes, hours, How To, how to save money, impact, Income, Insurance, interest, interest rate, interest rates, Invest, items, job, Law, Learn, Life, list, Live, Living, loan, Loans, Local, low, LOWER, maintenance, Make, make extra money, making, manage, market, Media, Medical, medical bills, module, money, More, more money, needs, new, one year, Other, passive, passive income, Pay Off Debt, payments, Personal, personal finance, Pet, place, plan, pretty, protect, random, rate, Rates, reach, repair, Research, restaurants, retirement, Review, sales, save, Save Money, Saving, savings, searching, simple, social, Social Media, Spending, spending too much, stable, Start Saving, student, student loan, student loan debt, Student Loans, taxes, time, time is money, tips, title, trading, tv, used car, wants, Wedding, will, wireless, work, working, wrong, young

Career strategies of high earners

February 20, 2023 by Brett Tams

I mentioned in my last post that I read Barbara Stanny’s “Secrets of Six-Figure Women.” Stanny interviewed 150 women who earn more than $100,000 annually and sought to find what traits, experiences and motivators they shared in common.

Unlike most books, this one didn’t take me three months to finish. It’s a fast read, and I think that has a lot to do with how relatable it is. I’m not saying I fit the bill for every six-figure trait Stanny has outlined; but you can’t help but compare yourself to the high-earning women she’s interviewed.

Although the book is meant to empower women, I think much of Stanny’s research is every bit as helpful to men. Here are the strategies and milestones of high earners Stanny outlines in the book. Some of them hit home; others I questioned. Tell me what you think.

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Posted in: Mortgage Tips Tagged: advice, All, ask, author, before, book, Books, business, Buy, Career, chance, Children, Convenience, couple, data, Debt, decision, earning, earnings, Empower, experience, Family, Financial Wize, FinancialWize, games, get started, Getting Out of Debt, good, great, Grow, healthy, helpful, high earners, home, internet, job, jobs, journey, jump, Life, Living, low, Make, men, money, More, negotiate, opportunity, Other, own business, parents, Personal, place, points, pretty, Raise, Research, rich, Saving, secrets, short, simple, single, stable, Start Saving, stories, story, Strategies, time, turkey, will, woman, women, work, work out, working
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