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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How to Start Saving

by Krantcents · 17 comments

Post image for How to Start Saving

You can start saving today! Can you put aside $10 per day? If you start saving $10 per day at twenty-two (22) years old, you will be a millionaire in forty (40) years. Can you save more? Everyone thinks they can wait until they are earning more money. Is waiting a mistake? Should wait because you have student loans? You know it is important, but you don’t have any money left to save. What can you do? Read More…

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Post image for Financial Discipline equals Happiness

Financial discipline equals happiness! Yes, I am talking about self discipline. Do you have self discipline when it comes to your personal finances? Do you spend money you do not have? Do you take responsibility for your actions? Do you have a budget? Do you save for retirement? Do you pay your bills on time? Almost all financial problems are a result of lack of self discipline. Read More…

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Post image for 7 Reasons Why Your Business Seriously Needs Video Conferencing

Video conferencing can improve the way your business works. It will save you time, money, and a lot of stress. Since there’s a need to build stronger relationships with clients and establish trust within the team, companies must find ways to communicate with everyone in a more efficient and convenient method. Video conferencing offers exactly that. Read More…

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Post image for What you can learn from the HENRY’s!

What are the HENRY’s? They are High Earners Not Rich Yet (earn $100-250k annually). They have expensive cars, boats, and houses that make them look rich, but all their money is tied up in these assets. They are living paycheck to paycheck! My first reaction who cares about these people until I found out there are twenty-one (21) million of them. Are they any different from the rest of us?

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Post image for Don’t Retire Early!

Don’t retire early! You may be near retirement or in your early thirties! There is always someone who will tell you not o do something. It is usually someone with a bad experience or never did it anyway. I am neither! I retired early and do not regret it. I did not squander my wealth nor did I just sit and do nothing. I am suggesting that it is not for everyone! Read More…

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Post image for Top 5 Financial Tips for Young People

Financial tips, I wish I knew when I was young. Wait, do young people take advice? When you are young, you feel invincible and you think you know everything! Taking advice is hard at that age, but here goes anyway. I encourage making mistakes and trying different things, but preparing for your future is important too. I have put together five (5) important financial tips t hat all young people should embrace. Read More…

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Post image for Enjoy Life before It is over!

If you do not enjoy what you are doing, you should make changes! It is always old(er) people who give this advice and I qualify based on my age (67 years old) and experience (46 working years). Too often, people are stuck with a job or career they do not like because they need the money. You do not want to look in the mirror some day (today) and see an old version of yourself staring back at you!  Read More…

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Post image for Is Paying Off your Mortgage Early a Good Idea?

Are you paying off your mortgage early? Many personal financial experts suggest prepaying your mortgage or paying extra principal payments to pay less interest over the life of the loan.  You can save a great deal of money by just paying few extra dollars in your monthly payment, pay bimonthly, biweekly, or just make an extra payment. Are you paying off your mortgage early?

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