Your Emergency Fund and Financial Agility

Ah, the emergency fund...that well-known, but often neglected, aspect of most of our financial lives. According to a survey conducted by bankrate.com in 2019, roughly 28% of Americans had no emergency fund, at all; another 25% had an emergency fund that would not cover at least 3 months of expenses. You may have also read … Continue reading Your Emergency Fund and Financial Agility

This Time is the Same…For Me

In this post: My need to build more of an emergency fundChanges I am making to speed up my savingsWhy my changes will be enoughWhy more changes might be necessaryWhat about debt repayment?What I am doing with credit card rewards In my last post, I went over how the financial implications of adversity, for me, … Continue reading This Time is the Same…For Me

This Time is Different…For Me

I know it's been awhile since I've posted anything here. With all of the news around COVID-19, I had a little trouble wrapping my brain around how all of this can eventually come back around to personal finance and how we execute our personal financial plans. I was batting around an idea when I came … Continue reading This Time is Different…For Me

The Stock Market Won’t Save You; Invest Anyway

Forgive me for the somewhat splashy title on this post. And, I know, writing this post on the heels of a rough week in the stock market probably doesn't help. But, there is an idea that I hear from time to time as I listen to financial podcasts. To be clear, I don't hear this … Continue reading The Stock Market Won’t Save You; Invest Anyway

Debt Repayment: How Do We Do It?

As many of us look over our financial picture, we find that we've allowed some bad debt to creep into the frame. And, before we get too far into this post, this isn't going to just be another avalanche (focus on highest interest rate first) vs snowball (focus on smallest balance first) post. My path … Continue reading Debt Repayment: How Do We Do It?