I Actually did it... And you should too!

There it is.. I put 90% of my refund into Acorns for investments. Set it and forget it. I also acquired my first "Found Money" through the app. I tried a trial with Graze for a $1, they invested $8. Please remember to Subscribe or Sign-up for emails! Thank yo...

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A way to track your spending

Are you looking for an easy way to track your spending habits? Don't know where your money is going? Need to budget your money? This is the app for you! Download Mint, take 15 minutes to add your accounts and set budgets. I use this app daily. I have fun categorizing transactions and looking where my next budget cut is. When that cash flow number is green and positive, boy, that's a great feeling! I'm not affiliated in any way, this is...

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We need to break the cycle of paycheck-to-paycheck

I'm Guilty of doing it.. You have a mere $25 in your account, 1/4 tank of gas in your vehicle. Your cell phone bill and credit card payment were due 3 days ago.. Yet, you got to McDonald's to get lunch and spend $10. Did you know that eating out everyday for lunch at just $10 a day, will turn into $300 in a typical month! Yes, that's easy math.. but, where did you stop before work? Convenience store, maybe? You need to take some...

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Liabilities vs. Assets

What you think might be an asset to you, could actually be a liability. Let's start by defining those two terms: Asset - property owned by a person or company, regarded as having value and available to meet debts, commitments, or legacies. Liability - a thing for which someone is responsible, especially a debt or financial obligation. "In its simplest form, your balance sheet can be divided into two categories: assets and liabilities. Assets are...

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Our struggle with debt

I was never taught how to manage money. I was taught to balance a check book, but not balance my spending and saving. I was reassure getting a loan and purchasing was new (to me) car was the right thing to do. I was never taught to put most of it away. 12 years later, I finally realized: If I can't pay for it in cash, I probably don't need it that badly. I hope to change this shortfall with my kids. I hope everyone that reads this blog starts to...

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An update on investments

 My last 3 options contracts have netted a loss. Down near where I was at the beginning of January. I currently own 9 shares of MJ and 1 of DXLG. Acorns is doing great! A mere $80-$85 invest has gained around $2 overall. I still have the portfolio on Aggressive. I can't wait to put my tax refund into this! $5,000 would've been around $105 those two weeks! Just Remember when you join, you get $5 by my referra...

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Online store startup

What do you look for in an online store? Cheapest prices? Easy to navigate? Second to none customer service and returns policy? Personally I look for the cheapest prices, but I will go else where if the check out system isn't up to par. Example is if they don't accept PayPal I probably won't shop there.  Regardless, I'm in the testing phase using Shopify as my platform. It took a few days after work to find everything needed to customize...

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Don't quit your day job.... Just yet.

This isn't going to be as easy as clicking a few buttons. Dedication, perseverance and a well thought out plan will pay off in the end. But, no, it probably won't be tomorrow or even next month. It's the infamous snowball effect. It will start small. It may even start at the foot of a mountain. The bigger the snowball at the top, the bigger the snow ball going down. It requires time - the moment you walk away, it starts rolling backwards. You...

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Your Tax Refund

(adsbygoogle = window.adsbygoogle || []).push({ google_ad_client: "ca-pub-4712921274227790", enable_page_level_ads: true }); Thinking of getting that new car? Or, maybe that new T.V.?  Yes, new things are great! But, why don't you put that money to work? Did you know putting $5,000 into a saving account with 2.00% APY will make you $101.00 that year? Five years your balance will be about $5,525! Without...

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Acorns - How it's transforming my spending

I've been using Acorns for two weeks now. I like one thing it's done: Made me realize my spending. Every time I purchased something, I found myself thinking about my Acorns account. It's making me buy in bulk and spend less often. That in turn saves money!   And, that's OK. Saving any kind of money is great! Actually thinking about how you're spending money is better!  Really, it comes down to self control. Sign up and get...

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Acorns?

Couple weeks ago I opened an Acorns account to see how the automatic round ups worked. I thought this was a good idea since I never use cash for purchases. I like the idea, but it does just add up the round ups until it reaches over $5 and then debits the account. I went ahead and started with a $50 deposit and it already has done two sets of round up deposits. It did automatically shut off the round ups when my account got below a certain threshold...

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I let my emotions win..

It is probably inevitable.. It probably still happens to even the best.. It will probably happen to you.. I let my feelings win. I traded with no logic. I bought high, and sold low. Doing that makes you feel low.. Especially after a great day of gains. Please, Don't let that stop you.  Reset, take a day. I had the weekend to think of a new strategy. Knocked down, but not out. The peak was an $80+ gain last Thursday. Lost $62 dollars...

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Small things really add up!

Today I started using the ibotta app on top of my local grocery store's MoreRewards (Coborn's) to get the most out of my necessary spending. I get cash back on food and supplies I was going to buy anyway, plus added up cents off of gasoline for my car! Best thing, I don't need to upload receipts! First I just downloaded the app for the play store, signed up in under 5 MINUTES! Please use my referral code  iixwffe  during registration...

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