50 Good Personal Finance Habits Everyone Should Follow

I have a lot of bad habits. For example, I tend to bite my nails when I get stressed out. I also have a penchant for opening the cupboard to get a drinking glass — then walking away and leaving the door wide open. I know. I can’t explain it either, but it drives the Honeybee absolutely bonkers every time I do it.

Even so, I like to remind her that

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100 Words On: The Importance of Tracking Your Expenses

It’s true; there are many folks out there who successfully manage their household finances without ever using a budget. That being said, most of those people still track their income and expenses. That’s because trying to get a handle on your personal finances without knowing how much money you are earning and where it is all going is tantamount to trying to drive while blindfolded.

The bottom line: Taking the time

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How to Choose a Reasonable Health Care Plan on a Budget

by Patricia Walling

Every year there are millions of Americans who struggle to afford health care. This can be due to insurance companies raising premiums, but there can be other reasons too. For example, many people who are either unemployed or self-employed (such as per diem nurses or those in other health care professions like medical coding) are unable to get the discounts that many companies offer to their employees. Many

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Why Married Couples Should (and Should Not) Share Their Finances

This past weekend, the Honeybee and I had one of those conversations that most couples who are married long enough tend to have from time to time. But that didn’t stop our 11-year-old daughter Nina from shaking her head in complete amazement after overhearing it anyway.

Although I can’t remember the exact words, the discourse went something like this:

“Hey Len, did you happen to take the –”

“Uh huh.”

“So

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18 Amazing Facts You Didn't Know About Your Credit Card

If you’re like me, you never ever give your credit cards a second thought. However, after recently getting stuck in a supermarket line behind a nice lady who decided to pay for her groceries with a giant bag of loose change, I developed a new-found appreciation for their convenience.

Heck, nowadays I use credit cards to pay for almost everything. Naturally, I also make sure to pay off my balance in

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Quick Tips for Restablishing Your Credit

Your credit score is one of the most influential factors when it comes to your ability to achieve approval for a loan or credit card. In addition, your credit score can impact employment and ability to obtain insurance, as well as your living accommodations.

There are many consequence of having bad credit, and it takes time to reestablish your credit worthiness with creditors. You’re going to have to prove that despite

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When Good Personal Finance Practices Go Too Far

If a little is good, then it follows that more must be better. Well, okay, maybe not all the time.

For example, this extreme couponing craze has really got my goat. (And up until recently I didn’t even know I had a goat.)

Don’t get me wrong. I use coupons whenever the opportunity presents itself. After all, it often makes good financial sense to clip coupons to save money on groceries.

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100 Words On: Why Luck Is So Overrated

We tend to give “luck” far too much credit for people’s good fortune. Likewise, we often blame our own personal misfortunes on bad luck. While it’s true that luck is often due to pure chance, more often than not it’s the result of something we actually can control: our mindset. That’s why it’s no coincidence that the “luckiest” people tend to be optimists who are, by nature, more willing to embrace

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Sometimes things in life aren’t always as you might reasonably expect them to be. Many things actually defy all sense of logic.

For example, several years ago, a reasonable person watching Justin Bieber sing on a city sidewalk for spare change would most likely assume the kid wasn’t destined for much success in the music business. Of course, that assumption turned out to be totally incorrect, as he is now a

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100 Words On: Why Financial Freedom Requires Very Little Money

Don’t fall into the trap of thinking that one has to be “rich” to attain financial freedom. There are lots of people earning millions per year who aren’t financially free, just as it’s also true that there are folks earning less than $40,000 annually who are financially free. The latter case is more common than you might think because financial freedom doesn’t depend on money so much as it relies on

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