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Stretching your Money

Post image for How to Save Money – Everywhere

Saving money is my passion! I consider myself a value shopper although I do very little actual shopping. Do I do extreme couponing or camp out at sales? No, that would be a waste of time since I do very little shopping. My grade as a consumer is probably “F”. I am not a minimalist, but I try to maximize value from my purchases with very little work. Read More…

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Post image for Should I become a landlord or seller?

As a former successful landlord, it was my first choice, but the wrong one! Am I giving away my entire thesis in the first line? If you think so, you may be wrong. I addressed this question about seventeen (17) years ago and remained a landlord for another year. Although this is a personal decision, you should consider certain factors before you chose one or the other. Read More…

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Post image for The New Crisis Is Water!

Water was taken for granted in the United States for years! It was only a problem in third world countries. This has been the hottest summer on record in California. It is adding to an already difficult drought condition that will not go away anytime soon. If you live in the Midwest or East coast, you probably experienced flood conditions. This weather/climate change will affect the cost of food very soon! Read More…

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Post image for How to Manage Your Money

Money, like emotions, is something you must control to keep your life on the right track.” (Natasha Munson) Money management is the process of budgeting, saving, investing, spending or otherwise in overseeing the cash usage of an individual or group. How you manage your money is crucial to building wealth! Managing your money better just requires some information. Read More…

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Post image for What I Gave Up for Financial Independence

Financial independence was a goal I achieved about twenty-nine (29) years ago. It was part of a ten (10) year plan, I accomplished in about eight (8) years. It was a goal with a plan! It required a level of commitment, discipline and determination day in and day out. Although I used savings and investing to achieve this goal, it was my choices that helped me achieve my success.  Read More…

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Post image for Buy a New Car  or Used Car?

Buy a new car or a used car? Is this a trick question? Many personal finance experts recommend buying a used car versus a new car because it has already depreciated some of its value and you get a better deal. Particularly if you find a used car off a lease and it was well maintained. Many car dealers offer certified used cars with warranties and you save 30-40% over new.  Read More…

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Post image for 10 Steps to Financial Security

What is financial security? Financial Security is having sufficient resources to support a standard of living now or in the future. What does this mean to the average person? A good working definition may be having enough money to cover your current and future expenses. Everyone has a different definition of what is financial security because our expenses change. What do you need to know? Read More…

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Post image for Labor Day is more than a Holiday

Labor Day is the first Monday in September and an American holiday! It is supposed to be a national tribute to the contributions and achievements of American workers made to this country. It was established abut one hundred twenty years ago. It usually signaled the end of summer and children return to school. The last weekend to get away or relax before school starts. What does Labor Day mean to you? Read More…

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Post image for Car Free in Los Angeles

Yes, I will be car free in Los Angeles in three years. Why am I writing about it now? I am taking the first step to be car free in Los Angeles. I will retire in the next three years and have no need for two cars. Los Angeles is a very much a car town. Los Angeles used to have one of the best public transit systems in the country, but that was nearly one hundred years ago!  Read More…

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Post image for Hobbies Can Be Expensive!

Hobbies take time and money! My wife’s garden is only forty-eight (48) square feet and she spends hours in it every week. It is flowers, plants, herbs and even a few vegetables. I am not complaining because she enjoys it! Hobbies are supposed to be enjoyable and a distraction from your day to day activities. Hobbies can also be expensive, addictive and even a money pit.

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