by Randy Chalmers on January 27, 2023.
Like Dave Ramsey says, a lot of people state they will always have a car payment, which is something I personally have said most of my adult life. This is because we’ve learned to budget our lives around paying our necessities like the mortgage, groceries, water, electricity, and…car payments? According to 2022 data from Experian,...
by Randy Chalmers on November 4, 2022.
We’ve discussed how people think they don’t have enough money to invest, so instead, they spend what they could have saved. But, what about those who are not yet investing, the ones who are on Dave’s Baby Step 2: pay off debt utilizing the debt snowball method? I know a lot of people reading this...
by Randy Chalmers on October 7, 2022.
Have you been fearing that you will be living in poverty in your golden years because news articles and studies have long stated that Americans do not know how to save or don’t save enough? In 2002 the Economic Policy Institute study reported that 40% of households then aged 47-64 would retire on less than...
by Randy Chalmers on September 30, 2022.
It is finally cooling down, and with the cooler temperatures comes the desire for a nice, hot, beverage. The easiest way to acquire these seemingly magical drinks is to run by the drive-through of your favorite coffee shop. Did you know the average cup of coffee has risen to $4.90?! You don’t have to stop...
by Randy Chalmers on September 23, 2022.
Have you ever heard someone say something to the effect of “a dream is only a dream until you write it down, then it becomes a goal”? This concept examines how we view seemingly impossible things, like getting our “dream” job, living in the “dream” town, climbing Mount Everest, or completing a marathon. You wouldn’t...
by Michelle McEachin on September 9, 2022.
Are you sinking your funds? We talk about budgets a lot around here. We believe that having a budget for your monthly expenses is terrific! But, don’t forget you have some expenses that are not monthly and some that are definitely not regular. Some bills will only come to your mailbox once a year. Bills...