Post image for How to Get a University Level Education for Free

A lot of people are fortunate enough to be able to afford to go to University. Those who are, often end up saddled with student loans & debt that’s next to impossible to pay down and often daunting. Even though I make well above the average American wage I’m still deep in student loan debt. Read More…

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Post image for What is Personal Finance?

Personal finance is the financial management which an individual or a family unit is required to do to obtain, budget, save, and spend monetary resources over time, taking into account various financial risks and future life events. Simply said, it is your plan to make, spend and invest money as it relates to you. How will you achieve your financial goals? Read More…

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Post image for Congratulations Class of 2014, Now What?

Congratulations class of 2014!  Four years or more of hard work has gotten you here.  Alright, maybe it wasn’t all hard work; you enjoyed college, joined a fraternity or sorority, participated in sports, joined clubs or organizations, enjoyed a party or two and had a good time.  Now you have to start acting like an adult and get a job, move out on your own and support yourself.  What should you do? Read More…

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Post image for How to Start Over Again

“It is never too late to start over!” (Lynne Gentry)  Sometimes you need to start over because of job loss, divorce or change in career. Sometimes you need to start over in a new direction or just make some changes. Change is difficult, but necessary when you realize something is no longer working or never worked at all.  What are you going to do? Do you have a plan? Read More…

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If You Were Boss

by Krantcents · 23 comments

Post image for If You Were Boss

What would you do if you were boss? What if you were boss of the company you work for? What would you change? Do you think like an employee or an entrepreneur? Suddenly, you need to see the big picture vs. doing just a job. You should be performance focused rather than just doing a job. Planning for the future just became your number one priority! What would you do if you were boss? Read More…

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Post image for Let’s Have Lunch for my 100th Birthday!

Yes, I am planning my 100th birthday celebration! It is just thirty two and half (32 ½)) years from now. Planning a birthday celebration this far in advance has its problems!  First, I do not know I will be alive or where I may be living. Should I plan a lunch at a restaurant or at home?. Maybe a 100th birthday is important, but is it more important than your retirement? Planning your retirement requires a plan!

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Post image for Don’t Shoot the Messenger

In earlier times, the messenger delivered bad news! Don’t blame the person who tells you bad news. Too often, the person delivering bad news is blamed for the news. For many years, I was the messenger! I was the Chief Financial Officer who said profit margins were decreasing or some other performance indicator. As a personal finance blogger, is it my fault you make bad choices?  Read More…

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Post image for Why You Should Have a Financial Plan!

All businesses need a financial plan and you should too! A financial plan is a decision-making process and tool that enable management to assess results and set targets for growth. A financial plan describes each of the activities, resources, equipment and materials that are needed to achieve these objectives and the time frames involved. It is the combination of strategy and objectives! Are you planning ten (10) or twenty (20) years in thefuture?  Read More…

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Post image for Memorial Day Remembered

Memorial Day is special for me because it is a three day weekend and the beginning of summer.   Another reason is I am a Vietnam era veteran. The weekend is filled with parades in many small and large cities across the country. It is also an opportunity to visit a national monument or cemetery to honor someone who served this country. It is filled with fireworks, barbecues, summer movies and family outings. Read More…

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Post image for 10 Frugal Fun Things to do

Frugal fun things can be inexpensive without being boring! Being frugal does not mean you have to do nothing! If you deny yourself everything, you will eventually blow your budget. It is similar to a really strict diet; you cannot stay on one forever. The best way to remain frugal and still have fun is a little creativity. Frugal means living simply and economically. Here are some fun things and remain frugal!

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