Breakfast, lunch, and dinner…3 meals a day. That’s what we’ve been taught to be the norm when it comes to our daily eating. There’s a new trend called intermittent fasting. Fast for like 15-18 hours per day. Sound interesting? Well, I do this very often and it works out great. I skip breakfast, eat lunch and an early dinner, and I don’t eat until the next day’s lunch. Essentially, skip a meal. How does skipping a meal relate to my…
Practically almost every business takes cash or credit. I refer cash as physical cash money or accessing directly from your bank account like your debit card or giving your account information. I like using credit whenever I can because of the points benefits whether it’s for travel points or cash back points. However, I usually don’t use my credit card when I see the disclaimer that I’ll be charged a transaction fee. I frequently contemplate when it’s best to use…
Let’s say you’re grocery shopping and you have a cart full of items. You try to get the best items at the lowest price. As your cart fills us, you lose track and you have no clue how much each item costs. Not until you see your receipt. Then again, how many people actually look at every item on the receipt? Or do you just look at the total? How do you know that what you bought was the right…
Aren’t we all looking to find a deal? You’ll come across sales all the time whether it’s holiday sales, special events sales, clearance sales, and so on. You’re grocery stores will have sales every week. We see sales happening all the time. Are sales a great deal? That’s where you’d have to apply all the financial knowledge that you’ve learned to determine that. Some sales can be good, some bad, and some that are fantastic. Sales aren’t just reducing prices…
With the end of the year coming to a close, we now have to prepare for the new year. That means to create or review what your goals are, review your strategies, assess how you did this year, what changes you can make for the new year, and so on. Whether you had a good year or a bad year, you should try to make it a habit to take the time and check on yourself and your progress. This…
Christmas season is here which makes your wallet cringe a little from all the spending you’ll be doing. This doesn’t have to be a worry all the time. There are a few things I do around the holidays to help my wallet out from a few holiday hacks I’ve learned over the years. What to do with those unwanted gifts? If you received a present that is not exactly something you want or need, don’t worry. Here are a couple …
The end of the year is a time of celebration with Christmas and New Years. You may have your to-do list like shopping for presents, buying holiday meals, getting ready for get togethers, and so on. Don’t forget the other end of year to-do list that involve your financials. Before the year is over, there are some things that has to be done and can’t be done in the new year. For example, if you wanted to do a Roth…
In 2022, I purchased a plug-in hybrid and wrote about it here. I knew there were incentives like federal tax credits and possibly state incentives. I purchased a vehicle that was eligible for the $7,500 federal tax credit and I will be sure to write about that when I file my 2022 taxes in 2023. As I did some more research, I found additional EV financial incentives that I wanted to share. I decided to get a Level-2 charger installed…
With the holidays around the corner, are you looking for ideas for presents? Electronics, games, toys, clothes…are these on your shopping list? How about giving something not so common…an investment gift. Who says you need to buy some material item to be considered as a gift? Why not gift a stock? When I graduated high school, I received a certificate for some category I can’t remember (possibly most likely to succeed or something) and it came with a $50 bond….
The internet has become a sensational tool to communicate with each other, interact, share information, provide content, and so much more. It’s also become a mechanism for scammers to get your identity, access your accounts, steal your money, and so on. How do you know if the other person you’re chatting with is a real person or the person they say they are? Unfortunately, the scammers found ways to turn something good into something they benefit. Don’t fall for the…