Saving & Banking
Saving Up for a Big Purchase Like a Steel Building
A reader wrote in last year asking how to save for a steel workshop building without derailing the rest of her budget, and her...
A client came to me confused about why her household budget never balanced despite a solid income, and it took three sessions before she mentioned, almost as an afterthought, that she and her partner held season tickets, travelled to away...
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Saving & Banking
A reader wrote in last year asking how to save for a steel workshop building without derailing the rest of her budget, and her...
Taxes Simplified
A new job offer says 65,000 dollars. The first paycheck says something closer to 45 percent less than a simple division by 26...
Credit & Debt
Every rule I have ever given someone about personal debt, pay down the highest interest rate first, keep utilization low, avoid...
Saving & Banking
A driveway upgrade sits in an awkward spot financially.
Budgeting Basics
Almost every hobby seller I have talked to about pricing gives the same answer when asked how they set it: they covered the...
Investing for Beginners
Career spending gets called an investment far more often than it earns the label.
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Archive
Three writers who each spent years on a different side of a money decision: a former family financial planner who got tired of budget templates that assume nobody has an irregular paycheck, a one-time collections rep who now explains what a credit report actually shows, and someone who has tracked her own index fund returns since she was twenty four and writes from that spreadsheet, not a textbook. Every article carries a byline, and the numbers shown are worked through, not rounded to make a point.