Future Today

Coming to Terms with Letting Others Down Because of My Past Financial Mistakes

It is impossible to look back at the state of my life when I was at my financial low point and not feel some degree

07.15.16
home for sale - how much house can i afford?

How Much House Can I Afford?

I often receive emails from readers concerning whether or not the sender can afford a particular house – or how much house they can afford.

07.15.16
ginger root

The Ginger Principle: When Buying in Bulk Is a Mistake

Sarah and I are adventurous amateur chefs. We love trying all kinds of things in the kitchen with fresh ingredients and interesting flavor combinations. Like

silhouette

‘I Make Myself Rich by Making My Wants Few’

The title of this article is a quote from Henry David Thoreau, one that came rushing into my mind yesterday as I looked at Amazon’s

woman looking at numbers - credit scores

What Is a Good Credit Score Range?

Ever wonder what is a good credit score, and why this little three-digit number is so crucial to your financial well-being? Can it really affect your everyday life?

woman shopping

How Born Spenders Can Become Born-Again Savers

Are you a born spender? Many people are. Recent research shows that it might even be genetic. Still, like many genetic predispositions, just because it’s

shopping for dresses

Does This Purchase Make My Life Better?

If you want one powerful, burning question to cut through your financial situation like a hot knife through butter, this is the one: Does this

07.07.16
college graduate

Nine Things I Would Do Differently for My Finances and My Career If I Graduated Today

This past May, a person that I have a lot of respect for graduated from college. This person has a ton of character and a

listening to a podcast

Enrich Your Life With These Four Financial Podcasts

I am a podcast fanatic. Once I realized I could listen to entertaining, thought-provoking, and informative audio shows whenever I wanted, and that they were

sand running through fingers

12 Key Principles of Goal-Oriented Personal Finance

Different people approach personal finance in different ways. Some people simply like to follow “rules,” like “put 10% of your money toward retirement” or “spend

spending money before you have it

The Trap of Spending in Anticipation of Becoming Rich

When I first graduated from college, I was lucky enough to get a pretty good job almost immediately. In fact, my first day at that

statue

How Stoicism’s Principles Can Help You Transform Your Financial Life

Some of you may remember that, a few years ago, I wrote a three part series on Ralph Waldo Emerson’s essay Self-Reliance. I read it

calculating budget

Treating Your Financial Goals as a Part-Time Job

Many, many people across the world use a second job to support themselves and their families. They need to do this in order to make

child counting change

12 Strategies I Use to Keep My Finances as Simple as Possible (While Still Achieving Financial Success)

I’ve been writing about personal finance virtually every day for almost 10 years. During that time, I’ve tried countless personal finance and frugality strategies and read

man flipping upside down off rocks

The Upside-Down Reason Most Americans are Broke

Years ago, when my husband and I were struggling to save, we managed our finances in the exact opposite way we manage them now. It

How to Build Credit

When people ask how to build credit, the “chicken or the egg” conundrum often comes up. Having a solid credit history and credit score are

broken down car on the side of the road

How to Anticipate Replacement Expenses and Save Tons of Money Along the Way

Things break down. Your car breaks down. Your washing machine starts making a loud “clunking” noise. Your air conditioning fails and the heat starts rising

shawshank

Personal Finance and the Shawshank Redemption

The Shawshank Redemption is one of my favorite films of all time, and I’m far from alone in that sentiment. It’s been the top rated

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