Friends and relatives I have who smoke often dismiss the cost they are paying to smoke, “It’s only a few bucks every morning at the gas station.” Few people actually do the math. At $8 per pack, a pack a day habit costs around $3,000 a year. This may not …
Delta is another word for difference. The difference between what you earn and what you spend, the delta, is what is left to save and build wealth. In America in 2013, the median household income was roughly $51,000, with an average savings rate of 3.9%, roughly $2,000, meaning the median …
Yesterday I was having a conversation with some of the guys I work with (or was it today, Night shift gets me all turned around.) and we started talking about personal finance education in schools. When I attended High School we had block scheduling, with 4 courses a day for …
The first step to getting your finances in order is to simply get organized. Knowing, in detail how much money you have, where it is, how much you owe and who to, and what your expenses are goes a long way. Once all of this information is together, goals can …