Momentum is the force in our lives that keeps us moving in the direction we are heading, and it can be our best friend, or our worst enemy. The more I experience in life, the more I am convinced that momentum is a major factor. Momentum works like interest....

I remember getting my first debit card when I was just starting college. At the time, I was 18. It was less than a year later that I got my first credit card, a Discover Card. Over the years I have used both credit cards and debit cards without...

Asking for a deal when checking into a hotel is not something I would have even thought of when I was a young man. The room rate what they say the rate is, right? After graduating from the University of Wyoming, I ended up getting a job working as...

Making, saving, and investing money are common themes covered in personal finances. If we neglect the aspect of account security, all our hard work can be undone! This post is about account security and how to increase your security. For more information on cyber security, I have a post...

There are so many great rewards programs out there! It can be tempting to sign up for all of them. We could sign up for all of them – they are free to join, after all! Should we join all of them, no. I can’t tell you how many...

Debt elimination is something that most people would like to do, yet a lot of people have come to believe that they will simply be in debt for the rest of their life. I find this to be a sad state of affairs. The biggest problem with debt is...

I am an affiliate with sweatcoin. When you follow my link to their site and sign up, I am rewarded with Sweatcoin. It costs you nothing to join the program. While my handyman work was slow in the winter, I went online looking for some other ways to earn...

With the global financial crisis looming as the economic shutdown related to COVID-19 continues, I won’t go into much detail about why everyone should have an emergency account. I previously wrote about carrying emergency cash. That is not part of this emergency fund. The emergency fund I am talking...

The concept of a marriage being likened to a board of directors came to me years before I even met my wife. When I was 21, I was voted onto the board of directors of the Fraternal Order of Eagles in Laramie, Wyoming. At the time, I was the...

My grandparents had a cool shopping list apparatus similar the one in the picture. I saw my Mom make lists when I lived at home (and she still makes lists!). When I was in college, I heard a wealthy guy give a talk about personal finances and one of...