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?
This month, right now, it is the time to take stock in your assets – not your portfolio assets, I’m talking about all of your intangibles. January and the rest of the months will provide ample time to worry about the tangible things in your life. But now, as we near Christmas, I hope you take time to slow down and enjoy..
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.
Many are predicting a rough financial road ahead. And because of that, some will advise against investing in the stock market. This is a time to take pause and to really educate yourself before buying into all of the hype. Before stuffing your money under a mattress or halting investing, let’s look at things critically and get a good understanding of the stock market, so you can make informed decisions rather than those that are reactionary and emotional.
The holidays are fast approaching.. From Halloween until New Year’s, it is a whirlwind of activities, spending, and stress. So while the holidays are supposed to be fun and a time for gathering with family and friends, people will feel undue and other self-induced levels of stress. So what can be done to help alleviate some of the stress about money and, instead, really enjoy the holidays?
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!
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.
This blog is a bit different from my other ones. It is not just information that I am passing along to you about how to budget, invest, or save, but is my perspective on the WHY.
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.
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!”