Steadfast Finances

 Budgeting, Personal Finance Tips, Saving Money         2 comments

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We’ve all heard our parents say over and over again that we’re supposed to save 10% of our paycheck, but now that you’re all grown up, have you actually taken the time to calculate just how much of your monthly income — if any — that you’re actually saving?
Even if …

 Budgeting, Personal Finance Tips, Saving Money         7 comments

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Paying bills is a fact of life. We all have them, and we’re required to pay them. Otherwise, after a few months of not paying them, you’ll probably find yourself sitting in a cold, dark house with no electricity, no water, and probably not have a house/apartment to sit in …

 Career, Personal Finance Tips, Saving Money         14 comments

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This personal finance question comes from reader Gary, who recently got a surprise promotion and a 20% raise after his boss left the company. He’s married, has a 2 year old daughter that his wife is caring for full time, has a monthly mortgage payment, two monthly car payments and …

 20s Something Advice, Saving Money, Strategic Planning         62 comments

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Due to the popularity of the visualizing how your stuff owns you post from several weeks ago, I thought it would be beneficial if I documented exactly how I use a simple monthly calendar and a few personal finance metrics to visually represent how many hours, days, even weeks, I …

 Budgeting, Credit Cards, Debt Reduction         8 comments

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I drafted this article after spending two weeks of discussions with an old friend who finally acknowledged her debt was beginning to influence her behavior. By creating a budget and drawing up a plan to aggressively pay down her debt within 15 to 18 months, she now claims she can …

 Budgeting, Saving Money         2 comments

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Just out of curiosity, what would happen if someone as powerful — and popular — as President Obama asked U.S. citizens to do something radical… like save money?
Sounds a little far fetched right?  Just weeks ago, main stream media went out of their way to remind us it was our …

 Consumer Education, Financial Planning, Mortgages         46 comments

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Every now and then you see one of those news stories that make you shake your head and say…
What???
CNN ran an all too common story today about a family who is, sadly, about to lose their $800,000 home due to foreclosure (see video below).
Such stories are becoming commonplace and subsequently losing their newsworthy …

 Consumer Education, Cutting Expenses, Saving Money         6 comments

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No wonder everyone is wondering why their paycheck disappears so fast.  The cost of everything seems to be doubling lately.
Especially when it comes to overpaying for cable TV.
Marc Hedlund (from the Wesabe Blog) posted a small, yet highly informative graphic that gave me one of those Aha! moments that …