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Making Sense of Money

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Everything Is Always on Sale!

November 19, 2013 by Justin

Everything is always on sale seems like an exaggeration! If you are expecting to go to your local store and find absolutely everything on sale, you will be disappointed. Then again, you can find just about everything on sale somewhere. Online retailers are constantly discounting their products and there are always coupons for discounts and free ...

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Filed Under: Goals, Uncategorized Tagged With: Budget, Budgeting, financial decisions, Goal setting, Goals, information, interesting, Investing, lifestyle, major purchases, Money, Personal Finance, Planning, Stretching your Money, Values

Is There a Right Time to Buy Real Estate?

May 16, 2013 by Justin

The real estate market is booming.  Some prices are up to pre bubble prices.  Is it too late to buy real estate?  The short answer is no!  My theory is prices are always higher than you like it.  If you are one of those people who are looking to buy at the bottom, you missed your chance!  Interest rates are the lowest in sixty (60) years.  What are ...

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Filed Under: Investments Tagged With: Budget, Budgeting, Cash, Finance, financial decisions, Frugal Living, Goal setting, Goals, information, interesting, lifestyle, major purchases, Money, mortgages, Personal Finance, Planning, Real Estate, Savings, Stretching your Money, Values, Wealth

I Love Other People’s Money!

May 7, 2013 by Justin

What is other people’s money?  When you buy real estate, you usually get a mortgage which is other people’s money.  It is a way of leveraging your down payment in order to buy an asset.  When you borrow money to buy a business, it is other people’s money. Whenever you borrow money to make an investment or financial transaction, you may be using ...

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Filed Under: Investments Tagged With: Budget, Budgeting, Cash, Credit cards, debt, financial decisions, Goal setting, Goals, information, interesting, lifestyle, major purchases, Money, mortgages, Personal Finance, Planning, Retirement, Savings, Stretching your Money, Values, Wealth

How to Use Credit Cards Responsibly

April 9, 2013 by Justin

Too many people have credit card debt!  As of December, 2011, according to Capital One  there was $801 billion total U.S. revolving debt.  98% is credit card debt!  The total U.S. consumer debt is $2.5 trillion as of December 2011.  The average credit card debt per household with credit card debt is $15,799.  Just about everyone has a credit card ...

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Filed Under: Managing Money Tagged With: Budget, Budgeting, Credit cards, debt, financial decisions, financial literacy, Frugal Living, Goal setting, Goals, information, interesting, Investing, major purchases, Money, Personal Finance, Planning, Retirement, Savings, spending, Stretching your Money, Values, Wealth

How to Select Investment Property?

March 12, 2013 by Justin

Finding a good investment property is no easy task!   Many people buy a home to raise a family, a hedge against inflation or flip and make a quick profit.  There are still others who buy homes as an alternative to investing in the stock market.  It may be a vacation home or a rental property, but it is still an investment!  If you want to find a ...

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Filed Under: Investments Tagged With: Budget, Budgeting, Cash, financial decisions, Goal setting, Goals, information, interesting, lifestyle, major purchases, Money, Personal Finance, Planning, Retirement, Savings, Stretching your Money, Wealth

Should You Invest in Rental Property or a REIT?

February 26, 2013 by Justin

I love rental property!  I bought my first home when I was twenty-seven (27) years old.  My next investment was a nine (9) unit apartment building when I was thirty-one (31) years old.  Over seven (7) years, I accumulated more properties.  By the time I was thirty-eight (38) years old, I achieved financial freedom.  Investing has its risks and ...

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Filed Under: Investments Tagged With: Budget, Budgeting, Cash, financial decisions, Goal setting, Goals, information, interesting, Investing, major purchases, Money, Personal Finance, Planning, Retirement, Savings, Stretching your Money, Values, Wealth

Breaking Down Consumer Loans

February 16, 2013 by Justin

In economics, consumer debt is outstanding debt of consumers, as opposed to businesses or governments. In macroeconomic terms, it is debt which is used to fund consumption rather than investment. It includes debts incurred on purchase of goods that are consumable and/or do not appreciate. Debts that are owed as a result of purchasing goods that are ...

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Filed Under: Uncategorized Tagged With: Budget, Budgeting, Consumerism, Credit cards, debt, financial decisions, Frugal Living, Goal setting, Goals, information, interesting, lifestyle, major purchases, Money, mortgages, Personal Finance, Planning, Stretching your Money, Values

I Am a PF Coach and I Should Be Fired!

January 31, 2013 by Justin

That’s right, I should be fired!  Where is Donald Trump when you need him?  I think of myself as a personal finance (PF) coach that helps you achieve your goals and I am batting under 500.  My percentage stinks and I should be fired.  This is not an indictment of my expertise or my skills, but I want to do better.  ...

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Filed Under: Goals Tagged With: Budget, Budgeting, Careers, financial decisions, Goals, information, interesting, lifestyle, major purchases, Personal Finance, Planning, Savings, Stretching your Money, Values, Wealth

Rich Man, Poor Man

January 24, 2013 by Justin

Rich man, poor man is not intended to leave out women!  I am really trying to examine the difference between rich and poor and help you achieve what you say is a goal.  Most 18-25 year old say getting rich and becoming famous are important goals for them.  I am not sure if it is limited to just that age group either!  Do you want to know how to get ...

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Filed Under: Managing Money Tagged With: Budget, Budgeting, Career, Careers, Cash, Finance, financial decisions, frugal, Frugal Living, Goal setting, information, interesting, lifestyle, major purchases, Money, Personal Finance, Planning, Retirement, Stretching your Money, Values, Wealth

How to Prepare for 2013 or Any Year!

January 17, 2013 by Justin

Looking for new ideas, I came across hundreds of articles explaining how to prepare for 2013.  There are a lot of things to do, but why limit it to 2013?  You should prepare for every New Year by doing a few things.  If you did not start a couple weeks ago, it is not too late, but no more procrastinating!  Here are my five (5) things I do every ...

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Filed Under: Goals Tagged With: Budget, Career, Careers, financial decisions, Frugal Living, Goal setting, Goals, interesting, lifestyle, major purchases, Money, Personal Finance, Planning, Resume, Retirement, Savings, Values, Wealth

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