Personal Finance Mastery

It’s easier to unknowingly wreck your credit score than you think.  Last week Peter went on a rant about the credit bureaus and how they really work after learning about a troubling ordeal a friend of ours had to endure. It inspired me to look into ways people can accidently hurt their credit score. I [...]

Let me begin by saying that I believe there is much misunderstanding on how the credit agencies work, what their purpose is and how they affect your life.  I feel that in many ways the system we have currently is broken and is in need of repair.  I have 2 major issues with the how [...]

When you try to create a budget you learn very quickly how hard it can be to stick to it. When I first started creating budgets for myself I was always failing and it seemed like such an uphill battle and a struggle to try and make ends meet. I always blamed myself [...]

At some point or another we have all done it – indulged in a little retail therapy. Whether it was after a tough day or to celebrate an achievement we tend to splurge and make impulsive decisions when our emotions run high, these impulse buys are some of the worst kinds of budget busters.
It’s part [...]

Here’s a quick tip when creating a budget or as I like to call it a financial forecast.  The first step to creating a budget is to bring all your expenses together and categorize them.  One of the easiest and most intuitive ways to categorize for your budget is by organizing your expenses by time [...]

No matter how you look at it, bankruptcy is not fun. Besides you being unable to pay your debts, if you go bankrupt you could place others in a precarious financial position by denying them the money you owe them. If you go bankrupt, it means you have let someone down. Someone who has trusted [...]

We all know that coupons save money but here are a few other ways you can save money food shopping without having to spend your Sundays sifting through the paper cutting out all the latest coupons.
Choose The Right Store
Picking the right store to go to will make all the difference in the world when it [...]