Once you have a budget set and you start building up some disposable income, you need to figure out how you're going to use that money. Sometimes the perception of money management is that you're on the far end of two spectra. You either live ...
Continue reading Things You Should and Shouldn’t Consider Splurging On
Short Term Loans vs. Credit Cards: Which Is Better?
There are several reasons why you might want to take out a short-term loan or credit card. Perhaps you need to pay for an emergency repair, spread the cost of a big purchase, or consolidate your debts into one lump sum to clear them more quickly. ...
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Is It Better to Borrow From Your 401k or Take an Early Withdrawal?
In the case of a financial emergency, you might have to dip into your 401k plan to find the money you need. This is never an ideal scenario, as taking money out of such accounts can severely set back progress you've made in saving for ...
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How I Live on Less Than $45,000 Annually: Matt from Massachusetts
My name is Matt and I'm a long-time reader of Len's blog. After a few years of planning to share my story of living on less than $45,000 a year, I finally came around to actually doing it now that the ol' 2020 budget is set and we're off to the ...
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Black Coffee: It’s Not a Bug, It’s a Feature
It's time to sit back, relax and enjoy a little joe ...
Welcome to another rousing edition of Black Coffee, your off-beat weekly round-up of what's been going on in the world of money and personal finance.
And the financial crisis rages on, so ...
Continue reading Black Coffee: It’s Not a Bug, It’s a Feature
5 Ways to Eat Healthy on a Budget
The desire to lose weight and get in shape can be a constant struggle. Over the last three decades, the adult obesity rate has more than doubled. Turn on the television and you are likely to find any number of advertisements about the newest diet. No ...
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Learn How to Start Trading Forex (Fast!)
According to experts, the forex market is the largest financial market with a trading volume of $5 trillion transactions per day. You might have heardall the buzz about how investors are making millions trading forex. Believe it or not, you can grow ...
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Six Ways to Turn Your Home Business Into an Actual Company
It takes courage to steer off the beaten track and bring a product or service to the market, with no certain assurance that you will make a living from this. Suddenly what started out as an ambitious side hustle has gained traction and you are ...
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The Benefits of Tax-Advantaged Accounts
When it comes to getting your finances in order and planning for your future, the topic of taking advantage of the tax system in your country is rarely brought up. Which is odd, as this can substantially improve your financial situation, and help you ...
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Why Visualizing Your Financial Future Is So Important – and How to Do It
There are millions of posts and thousands of books explaining how to improve your finances. In fact, much of this information seems to get recycled back and forth. I have found only a couple of good books and posts that deal with the visualization of ...
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Mailbag: The Skinny on Buying and Selling Precious Metals
Hi Len, I read in your blog that you recommend APMEX for buying precious metals. I've saved money to buy some bullion and I'm ready to invest! I'm just having trouble researching where to sell it when the time comes. Can you shed some light because ...
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Economic Collapse 101: Ten Ways to Prepare for the Unknown
Most folks are really good about making sure they have the proper amount of insurance for their home and automobiles. But when it comes to ensuring the survival of their family in rough economic times, well ... not so much.
It's no secret that ...
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Black Coffee: The Financial Noose Tightens
It's time to sit back, relax and enjoy a little joe ...
Welcome to another rousing edition of Black Coffee, your off-beat weekly round-up of what's been going on in the world of money and personal finance.
The market turmoil continued this week, ...
Continue reading Black Coffee: The Financial Noose Tightens
9 Ways to Save Money On Your Heating Bill
Whether your home is heated by electricity or natural gas, a high heating bill can sometimes be a huge shock. Thankfully, there are plenty of low cost or free changes you can make in your home or apartment. Here's how you can save money on heating, ...
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How Small Businesses Can Adapt to a Changing World
There's no doubt that the world is growing smaller by the day. Improved communications, pace of change, and globalization all have a part to play. And, while the big corporations may have the resources to adapt, this isn't always the case for small ...
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Grandfather Says: Musings on an Old-Time Liberal Education
An early 19th century liberal education mandated studies in classical literature, now abandoned -- and sometimes scorned -- in most "universities."
Grandfathers Father, Ralph the First, studied for the ministry at the Southern Baptist Theological ...
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4 Ways to Make Getting a Real Estate Loan Easier
Nearly everyone dreams of being a homeowner someday. Others may want to build income through investment properties. However, in reality, obtaining real estate isn't all that simple because in real life, even the least expensive homes cost quite a bit ...
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9 Tips for Getting the Most From Your Groceries
If there's one resolution you stay on top of this year, spending less on groceries and reducing food waste should be it. To help you get started, and to keep you on track throughout the year, consider these tips for getting the most from your ...
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How to Avoid Spending Too Much For A Quality Mattress
How do you feel when you wake up to start your day? Few of us report that we feel less than well-rested, and this may be a sign that we need to get a new mattress. Often, the root of our sleep problems literally lie in the mattress that we sleep on. ...
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The Top 40 Ways to Improve Your Credit Score
One of the first and most important tasks most everybody should tackle as an adult is establishing and improving their credit score. That's because people with great credit enjoy lower loan rates that can result in serious monetary savings.
It's ...
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