Who doesn’t like a nice vacation!! Desired vacation spots are different for everyone. Some like to camp (tent or RV) while others desire a 5 star resort, some enjoy long road trips while others prefer to fly, some enjoy vacations with family / friends, while others prefer their immediate household. The options here are really …
Author Archives: PHIL.PONSTEIN
Total Cost vs Monthly Payment
You might be asking yourself, why write about total price vs monthly payment, the answer is self-explanatory. On the surface this may appear to be true, but there are underlying components that play into this way of thinking as well. In this blog we are going to spend some time breaking these two items down. …
What is an FU fund?
You might be asking yourself, what is an FU fund? Well, this is my way of having some fun with finances. FU stands for Future Use, or what I also like to say, FU debt fund. Our household has built this fund into our budget for many items. The fun thing about a FU fund …
Proven saving methods!
How do I start saving for my retirement, future purchases, social events, charities, cars, etc… and this list can go on and on. This topic seems to come up on a consistent basis during regular conversation as well as during coaching sessions. Learning to save for most people is very difficult for a number of …
Give yourself permission to spend!
For me, spending money is a challenge, but for others this comes really easy. If you had to label yourself a spender or a saver, which one would you lean towards? I lean towards a saver and my wife leans towards a spender, at least this is how it was when we first met. Now …
What is contentment?
Contentment, this one can be a bit difficult to understand. Contentment is an on-going struggle for me as well as most people. Understanding this struggle gets you that much closer to living your best life! Let’s get started: The definition of contentment is: “a state of happiness and satisfaction.” This word took me a long …
The power of NO!
Are you afraid to tell your inner child no? Why is it so difficult to tell ourselves no, but we don’t think twice to say no to others? What if I told you that saying no to ourselves from time to time is healthy. Saying no allows our brains to really comprehend what we are …
I’m good; I don’t need a financial plan!
I’m good; I don’t need a financial plan! How many of us think and / or say this on a regular basis? How many of us actually believe this? Believe it or not, I used to be one of these people. I used to think creating a plan was just creating a dream / wish …
Kids College fund (529) or our Retirement?
If you have kids like I do, I’m sure you have asked yourself this question a time or 100, do I save for my kid’s college OR do I save for retirement? These life decisions can be difficult and stressful, but they don’t have to be. We all want the best for our kids. It’s …
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Got Questions?
We want to thank everyone who submitted questions! The response to our questions Facebook post was so good that we were compelled to respond through a blog. We hope you find the question / answer blog informative. Please comment if you do and we will be sure to do more of these in the future. …