Most people don’t track their expenses, emergency fund, debts, investments, retirement plan or overall net-worth. And of those who do track one or all of those recommended personal finance markers, everyone has their own method for tracking them. Some use homemade excel spreadsheets, some use the classic pen and paper along with a collection of hundreds of receipts, some use individual apps to track each marker separately or some just let someone else deal with it completely. Personal Capital Personal Capital is a FREE, financial planning and wealth management app that is downloadable for any phone. The beauty of this app is its ability to create a one stop shop…
-
-
Cutting Your Housing Costs: Americans Spend ⅓ of Their Income on Housing Alone
2019 was a crazy year for my living situations so I knew I wanted to write an article about it. I’m not writing this article to say these are the necessary steps to reach financial independence or even to improve your financial position. I’m simply writing it to show that there are sacrifices or small changes that all of us can take to decrease our monthly spending on housing. And sacrifice may be a strong word choice as well. Possibly re-framing our thoughts may be a better way to put it. Housing is expensive so if we can find different avenues to cut this cost we can save a lot…
