by Don Gayhardt | Jun 14, 2017 | Budget, Debt, Finance, Loan, Money Management
Purchasing a home is a complicated process that can prove rather stressful. Homebuyers face piles of paperwork, unfamiliar terminology, and a wide range of professionals and their associated fees, which is to say nothing of the financial considerations involved in...
by Don Gayhardt | Jun 7, 2017 | Budget, Education, Finance, Money Management, Saving, Spending
During the summer, students are home from school and families start thinking more about vacation. For many, summer is the most exciting time of the year. However, this excitement can easily lead to overspending as individuals try to pack as much as possible into the...
by Don Gayhardt | May 31, 2017 | Education, Finance, Investment, Money Management, Retirement, Saving
The best time to start saving for retirement is as early as possible, ideally while you are still in your 20s. Saving early provides more time for your investments to grow and ultimately results in exponentially more money during your retirement years. For a wide...
by Don Gayhardt | May 17, 2017 | Budget, Finance, Money Management, Saving
According to a recent study by Credit Karma, about half of millennials who are married say that they merged their finances prior to tying the knot. Regardless of when couples decide to merge their finances, the decision involves a number of important questions and...
by Don Gayhardt | May 10, 2017 | Budget, Finance, Investment, Money Management, Saving
There are a large number of personal finance myths that people readily ascribe to even though they could end up hurting them in the long run. Therefore, it is critical to do due diligence and learn about the arguments for and against every piece of advice. With this...
by Don Gayhardt | May 3, 2017 | Budget, Finance, Money Management, Saving, Spending
When people begin formulating a budget, it is helpful to have a realistic goal in mind, such as saving for a vacation. A fun goal like travel keeps people motivated to follow the budget and meet their other financial objectives. With proper planning and some...
by Don Gayhardt | Apr 26, 2017 | Budget, Debt, Education, Finance, Investment, Money Management
Not everyone has the time to wade through books as they try to improve their financial literacy. Luckily, a large number of helpful podcasts exist. With podcasts, people can listen to some great advice and get excellent money tips while driving, walking the dog,...
by Don Gayhardt | Apr 19, 2017 | Budget, Finance, Investment, Money Management, Retirement, Saving
One the biggest challenges in personal finance remains budgeting. Creating and following a budget is critical for reclaiming a sense of power over your finances, yet people often have trouble making a realistic budget or staying within it. Luckily, modern technology...
by Don Gayhardt | Apr 12, 2017 | Debt, Finance, Investment, Money Management, Saving
While individuals should make every effort to get out of debt using strategies like budgeting and consolidation, sometimes this is simply not possible. The end-of-the-line option is bankruptcy, which is a legal declaration of the inability to pay off debt. People...
by Don Gayhardt | Apr 5, 2017 | Education, Finance, Investment, Money Management, Retirement, Saving
People in their 20s often put off investing for a variety of reasons. Some people want to wait until their financial situation becomes more stable, and others hope to make more money before they start investing. Whatever the reason, putting off investing is a mistake....
