Is it time for a reset? No doubt about it, 2020 has taken its toll on people. It will be remembered as the year that everyone wants to forget. It has caused untold costs in social, political, physical, emotional, financial,…
Category: Spending Plans & Budgets
What To Do If Your Budget is Broken
I’ve been there. After a messy expensive divorce in which I made a few costly emotional decisions, the financial implosion of 2008, a layoff, and a huge rent increase all in the same year (and I thought 2020 is bad!),…
Is Your Financial Plan in Step with Your Life Goals?
Financial Planning If you are reading this blog, you most likely have already created your financial roadmap to the future, but it bears reminding that even the best laid plans can change in a moment. How long has it been…
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Celebrate Your 2017 Personal Finance Accomplishments
Looking Back to Move Forward Now that the holiday decorations are packed up for the season, many of my clients are looking at their 2018 financial goals. A great place to start is to look back to your personal finance…
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Saving Energy this Winter
Daylight Savings Time is officially behind us and we’re gearing up for chillier (and hopefully rainy) weather. With our moderate climate in the Bay Area, it’s common that my clients get used to lower-than-average utility bills through the summer and…
Smart Shopping During the Holidaze
Can you believe it’s November already?! Black Friday, Cyber Monday and Giving Tuesday are just around the corner. For those on a budget or have limited time for the daze of holiday shopping, here are a few financial tips to…
Frugal Summer Vacations
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…
Pet Medical Expenses
Studies have shown that companion animals improve our health -- reducing our stress, lowering blood pressure, increasing physical activity and even boosting social interaction. For the elderly, this is doubly true. These are the many benefits of pet stewardship (many…
7 Habits of the Financially Stable
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.…
The Savings Phenomenon
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…
Fiscally Fit 