The reason you may be broke and in debt is you have tried to follow the typical advice of using a budget. Here are 15 reasons why budgets don’t work and 15 reasons why my 15-second Spending Plan is better solution than budgeting.
The 15-Second Spending Plan eBook Edition for Individuals
The eBook edition for individuals is an easy-to-use guide for singles and partners who keep their finances separate. It will help you stop living paycheck to paycheck, build savings, and reduce your credit card debt.
Two Checking and One Savings Account: The Perfect Combo to Automate Your Payday Routine
My payday routine infographic shows how two checking and one savings account are the perfect combination to automate your payday routine.
Simple One-Page Monthly Spending Tracker Template
My simple one-page monthly spending tracker template makes it easy to track your spending in less than 1 hour a month.
The 15-Second Spending Plan eBook Edition for Couples
The eBook edition for couples solves living paycheck to paycheck, having no savings, eliminating credit card debt, balancing unequal incomes, dealing with different spending habits, and a lack of communication.
The Definitive Step-by-Step Guide on How to Build Your 15-Second Spending Plan in Google Sheets
Here is the step-by-step guide on how to build your 15-second Spending Plan that will help you overcome a variety of financial challenges.
101 Money Tips For Millennials
Since their graduation from college, I have given my own young adult children advice on a variety of money topics. Below are 101 money tips that I have given them over the past several years. I am sharing these 101 tips with you so that you may also benefit from them!
How To Change Your Credit Card Statement Closing Date To Manage And Track Your Spending
Selecting your own statement date, which drives your payment date, will help you manage your credit card activity and account balance.
Splitting Bills – Can You Do it Fairly?
Splitting bills 50/50 would seem fair, however, it may be the most unfair method of doing so. My analysis shows that you may be adding financial stress and hurting your own ability to save using the 50/50 method.
10 Easy Steps For Budgeting Recurring Expenses
Recurring expenses are also known as fixed expenses. They can be paid monthly like utilities or be a periodic expense like car insurance. Here are 10 easy steps on how to budget for your recurring and periodic expenses.
12 Ways To Spend Your Stimulus Check Wisely
The CARES Act is providing stimulus checks to certain individuals based on income. If you receive a check, here are 15 ways to spend the money wisely.
12 Ways To Use Student Loan Relief From The CARES Act
The CARES Act automatically suspended your federal student loan payments for six months. Here are 15 ways to spend it wisely.
Joint Bank Accounts Or Yours, Mine, and Ours?
The decision for married couples to have joint accounts or separate bank accounts impacts their financial and marital success.
Why Travel Is A “Need” For Millennials And Gen-Zs
My observations and recent studies show travel is a way of life for Millennials and Gen-Zs.
The Pros and Cons of A Down Payment Gift
When gifting money for a down payment on a home, I recommend a matching savings plan vs. just an outright gift.
Paying Rent Is OK Until You Are Ready To Buy
Don’t feel bad about paying rent until you are ready to buy a home.
The Tax Benefits For Homeowners Have Nearly Vanished
The Tax Cut and Jobs Act of 2018 eliminated many of the tax benefits of homeownership.
How My Cash Flow System Began Over 20 Years Ago
A lot has changed since the late 1990s. However, you still don’t need fancy software to track your monthly cash flow using my system.
Prioritize Starting A 401k Over Paying Off Student Debt
The longer you delay saving for retirement the greater the impact on your future net worth.
When To Pay With A Credit Card or Debit Card To Control Your Debt
The convenience of using a credit card and debit card are great. Tracking your spending is also easier by using a credit and/or debit card. However, the key is to know when to use which one and my system makes answering this question very easy.