by Don Gayhardt | Jul 20, 2020 | Budget, Education, Finance, Income, Money Management, Savings, Spending
One of the most important personal financial moves a person can make is building an emergency fund. This fund helps you avoid going into debt when the unexpected happens and can serve as a cushion during major life changes, such as periods of unemployment. However,...
by Don Gayhardt | Jun 9, 2020 | Budget, Finance, Income, Money Management, Mortgage, Retirement, Saving
People may make a lot of mistakes when it comes to retirement planning, from not saving enough to making an unrealistic budget to guide savings. Planning for retirement involves a lot of guesswork as people estimate when and where they’ll retire. All too often, people...
by Don Gayhardt | Dec 19, 2019 | Budget, Finance, Income, Money Management, Saving, Spending
One of the biggest stressors that people face in their lives is money. Financial issues can cause stress for a variety of reasons. Maybe you cannot afford the major purchases you want, or you’re living paycheck to paycheck, just barely making ends meet. Maybe a...
by Don Gayhardt | Sep 24, 2019 | Budget, Education, Finance, Income, Investment, Money Management, Retirement, Savings
According to a survey conducted last year, more than half of retired individuals have regrets about how they prepared for their post-work years. When asked about their top mistakes, a number of different themes appeared, from failing to pay off debts to not saving...
by Don Gayhardt | Aug 7, 2019 | Budget, Data, Finance, Income, Investment, Money Management, Saving
One of the most difficult personal finance decisions that people face involves figuring out how much they should save from their paychecks each month. While the simple answer is to save as much as possible, people often have tight budgets. At the end of the day, each...
by Don Gayhardt | Jun 26, 2019 | Budget, Debt, Finance, Income, Money Management, Saving, Savings, Spending
People who do not create a budget often find they are at risk for spending outside of their means, particularly if they use credit cards. Paying with a credit card is only tenable for a short time, as credit cards are set with a max limit. Some individuals may try to...
