How to Spend: Go To The Source
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Imagine how much you could save if you could cut all your expenses in half!

Review: Bank of America Credit Card
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Recently, I signed up for the Bank of America Customized Cash Rewards credit card offering a $200 online cash rewards bonus and 3% cash back in the category of your choice.

Life Lesson #3: Avoid A Lifestyle of Unconscious Spending and Conscious Saving
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Automate your savings. Take manual control of your spending. This is the path to wealth.

Baby Registry Guide from a Financial Planner
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There are many questions that first time moms ask their veteran friends. Among the top list is, what do you really need to care for a baby?

How to Implement The Automatic Millionaire Technique at Schwab
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By decoupling your standard of living from the size of your income, you have taken the first step toward financial freedom.

Life Lesson #1: You Shouldn’t Need Saving
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No limp arms. Keep your hands up. Budget for emergencies.

Radio: Savings Waterfall for 2021
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Which account you should fund depends on your circumstances. However, there are some general guidelines you can follow to make your decision.

A Financial Planner’s Review of Instacart Grocery Pick-Up
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After trying Instacart again a handful of times, I finally decided that in-person shopping was cheaper and more effective for my family.

Account Funding Priorities for 2021
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Which account you should fund depends on your circumstances. However, there are some general guidelines you can follow to make your decision.

Five Ways to Thrift Your Empty Gearharts Chocolates Box
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I cannot throw away such a delightful box.

How to Spend: Convenience is a Surcharge
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Choosing the right moments to buy convenience with your money brings value to your life.

How To Spend: Budget For Christmas
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We can gift our loved ones a powerful gift while maintaining a budget.

How To Spend: Keep a Price Book
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Who can remember every purchase you made? But remembering is how to keep your purchases reasonable.

How to Spend: Waste Nothing
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The presumption that there is always more fun to be had has a two-fold positive effect on my life.

How To Spend: Purchase In Season
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When I was really young, I did not realize that food had a season. What a privilege of our modern era!

How to Transfer Your Economic Impact Payment Card Into Your Bank Account
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It took me one hour to complete from start to finish. Hopefully, now that I have bumbled my way through it on my own and documented the steps, it takes you less time.

The Benefits of Using a Cost of Living Calculator When Relocating
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Any amount of difference in cost of living presents a valuable opportunity to reconsider the ways you spend money in order to increase the amount of money you can save.

For Recent Graduates: How to Handle Your Paycheck Like a Boss
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Financial security is an amazing feeling, so why not live your life knowing you are prepared for life’s expenses and can plan ahead for all your future goals.

What We Can Learn From The Buffett Family Motto
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From such changes, the millionaire mindset is built and millions are gained.

How To Spend: Take Care Of Your Things
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The thrift of taking care of your things is a wealthy mindset that pays off every year you don’t need to buy a replacement.

How To Spend: Learn To Do Without
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The first lesson in learning how to spend is learning how to not.

How to Spend: Add It To Your Wishlist
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A wishlist is a force of thrift both for you to defer your consumption and for your family and friends to ensure that all the value of their gift makes it to your heart.

How to Spend: Wait a Week
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When my desires can endure the distance of a week, I buy it.

Save More Even If It Is Less Than You Should
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No matter how small your savings, those small changes have large effects over time.

How To Spend: Take A Photo Instead
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It is easy to find yourself browsing the store when you spot a t-shirt with a phrase that you can hear your friend saying. Avoid making a purchase by taking a picture.

How To Spend: Use Only Just Enough
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Most of our regular use of items is habitual. Developing a mindset that uses less requires changing our habits.

Q&A: Should I Get a Car Loan To Stay Invested?
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With these moderate interest rates, the only clearly wrong decision in my view is buying a car on loan because you cannot afford it outright.

How to Budget for Emergencies: Divorce, Separation, or Widowing
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Although this is the least common financial shock studied, it is one of the most difficult because at its core it is a problem money cannot solve.

Core Values Budgeting: One Strategy to Identify Budgeting Changes
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Here is a strategy that can both help you identify what you value and help you start your budget.

How to Budget for Emergencies: Other Large Expenses
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Financial shocks can come in all shapes and sizes. This strategy of budgeting should increase your chance for success over the long haul.

Q&A: How Should I Balance Retirement Savings With Other Needs?
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Anything which is not contributing toward your financial independence should be considered part of your lifestyle spending.

How to Budget for Emergencies: Pay Cut
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Whatever technique you use to smooth your income, providing for the possibility of having a sudden reduction in income can help your family self-ensure against this potential financial shock.

How to Budget for Emergencies: Trip to Hospital
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This is the financial shock of a trip to hospital. It is upsetting, expensive, and unexpected.

How to Budget for Emergencies: Major Home Repair
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This is the financial shock of a major home repair. It is expensive and surprising.

How to Budget for Emergencies: Major Car Repair
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This is the financial shock of a major car repair. It is the most common financial shock with 30% of households reporting such an event within the last 12 months.

How to Budget for Emergencies (The Series)
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It is possible to be prepared for financial emergencies by living 10% more frugally and saving for the inevitable eventuality.

Observations on “The FIRE Movement”
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The FIRE (Financial Independence, Retire Early) movement is a suggestion that you should have the goal of achieving financial independence and retiring while you are young.

Cloth Diapers: A Lesson in Investing
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This isn’t the kind of article you think it is. My daughter wore disposable diapers.

Radio: Seven Financial Resolutions for the 2019 New Year
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On Tuesday, January 8, 2019, David John Marotta appeared on Radio 1070 WINA’s Schilling Show to discuss financial resolutions for the 2019 new year.

Cost of Credit Card Debt Calculator
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Regardless of your assumptions about future market returns, the impoverishment to families with credit card debt is massive.

The Complete Guide to Beautiful, Frugal Gift Wrap
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It requires intentionality and creativity to avoid the hidden budget busters of gift wrap.

Every Three Years, Say No to Advertisers
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We have a limited amount of willpower. It is a waste to have to expend it to ignore advertising.

Gift Ideas for Minimalists
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Even though tangible things that take up space tend to be bad gifts, there are many items that a minimalist can really appreciate receiving.

Black Friday, Small Business Saturday, Cyber Monday, and How Not to Go Broke at Thanksgiving
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I would like to encourage those of you who like participating in this weekend shopping spree to do the small task of paying yourself first.

A Case Study in Financial Advertising You Should Avoid
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A little bit of work upfront can save a great deal of nuisance later.

Revisiting BRIC Countries 10 Years Later
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In 2003, the Goldman Sachs Global Economics Department predicted the economic and geopolitical influence of Brazil, Russia, India and China (the BRIC countries) would become increasingly visible in the developed world. We revisit those countries here.

Comparative Price Shopping: Extra Virgin Olive Oil in Charlottesville
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Grocery stores know all the shoppers tricks, which means that when comparative price shopping you actually have to compare all the prices to get the best deal.

There Are No Deals “Too Good To Pass Up”
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There is no such thing as saving money buying something. You can go broke “saving money” this way.

The Complete Guide to DIY Household Cleaners
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I began my DIY journey learning about science, so it feels best to start you there as well.

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