In just a few short days, we will turn the calendar page to a whole new year. It will be 2023. Just as we have new opportunities each day for a fresh start and a new beginning to expunge anything that may have taken us off our game a bit whether that is overspending, overeating, or overindulging in any area, we also have a fantastic opportunity to embark on a new year filled with ample opportunities, dreams, and goals. Now, Take a step back and think about the past year. What was good and what are the areas where improvements can be and should be made?
Tag Archives: Budgeting Basics
The Top Ten ETFs That Can Make You a Millionaire
As many of you may know, my investing style is pretty simple. I mostly invest in index funds and ETFs. Simple, right?! I KNOW. Guess what investing does not have to be? Complicated. Below I will explain ten ETFs out of the close to 3,000 funds there are to choose from that can get you on the path to become a millionaire. Believe it or not, just utilizing a combination of these top ten ETFs can make you a millionaire.
The Elixir to Success: Consistency & Laziness
I am often asked about my success and what my special recipe is or the secret elixir to create success. I wish I could attribute it to something innovative or profound. But that is not the case. Truly, my success comes down to two key things: consistency and laziness. If you are ready to take control of your finances but don’t want to waste hours a month, The Budgetdog Roadmap is your key to success. My students learn to stay the course and trust the process and I even give them permission to be lazy – in a good way!
Dave Ramsey Review: A One-Size-Fits-All Approach
This is not a treatise against Dave Ramsey personally. He has helped countless people figure out their financial and life situations. He even provides some sound financial advice. Despite many reviews on the Internet about Dave Ramsey and the Ramsey machine, this is not a blog railing against him. This blog is actually my take on Ramsey’s ideology and how it aligns with mine along with key elements about which I disagree.
Credit Cards -the Good, the Bad, and the Truth
Credit cards can be okay when used correctly and managed properly. However, most people do not do that, so they are not fine or good! Credit cards are one of the easiest ways to get into a financial situation that spirals out of control really fast. So let’s take a look at the types of credit cards and the practicality of actually having one.
Have Fun Without Wrecking Your Budget!
Spring has Sprung! Yes, it is finally spring, and most of us are ready to get outside and enjoy going places and doing things. It is also a time for many celebrations such as weddings. BUT – and it is always the proverbial BUT – we also just went through tax season. So, you eitherContinue reading “Have Fun Without Wrecking Your Budget!”
4 Tips to Avoid The Consumerism Trap
We are consumed with and by STUFF. Most of the stuff we have, we don’t need. But advertisers tell us we do, and we buy into their ads and gimmicks. All too quickly we are spending money, often money we don’t REALLY have, on the latest and greatest of whatever new item they are selling. Continue reading “4 Tips to Avoid The Consumerism Trap”
I Lost $42,000 Dollars By Making This Financial Decision and I Would Do It Again Tomorrow!
There is not one definitive reason why I decided to pay off our mortgage early. I am a double major in accounting and finance and a CPA with several years of experience working for one of the largest four accounting firms in the world, so I knew the math was NOT in my favor.Continue reading “I Lost $42,000 Dollars By Making This Financial Decision and I Would Do It Again Tomorrow!”