Category Archives: Spending Plans & Budgets

With Memorial Day officially behind us, summer vacations are just around the corner. Is there a way to have a great vacation and be frugal at the same time? Yes! I’ll share some of my best tips learned over the … Continue reading →

The San Francisco Bay Area is booming! Unemployment is at an all-time low. Our freeways and expressways are jammed with commuters. In times like these — where recession concerns are on the backburner — I’ve been musing about money habits. … Continue reading →

The U.S. savings rate hovers just about 5%. This statistic reflects the ratio of personal income saved to personal disposable income during a certain period of time. I guess the good news is that it’s a positive number and it’s … Continue reading →

2014 is right around the corner. Hopefully you’re keeping to your holiday budget to avoid the New Year’s credit card hangover. In preparation of the New Year, I’d like to share a 52-week money challenge. It was originally posted on … Continue reading →

Fiscal Discipline During The Holiday Season Here we are, marching towards the holidays. We are heading toward the most pressure packed season of the year. This is the time my impulse control needs the most exercise! Tweet

Happy 2013! With the start of a new year, I get the privilege of helping my clients create their personal finance plans. New Year’s resolutions that focus on money run the gamut of getting out of debt to saving for … Continue reading →

Last time we touched on spending plan surprises, those expenses that aren’t fixed and routine. Things like unexpected car repairs or special anniversary gifts that can derail your cash flow. This seems to be a great time to talk about building an … Continue reading →

Now that you’re fresh off the 7-Day Challenge, you’ve got a better handle on your spending. Last time we talked about creating an accurate spending plan, one that incorporates a realistic accounting of your income as well as costs. Fixed and routine … Continue reading →

In a quest for a peace of mind as it relates to one’s finances, inevitably the subject of budget planning comes up. Personally I like to call it a spending plan because the term “budget” has such negative connotations. The … Continue reading →