Why I Pay For Ad-Free Streaming Services
I’ve been trying to decide which streaming services I want to keep since most continue to raise prices and with the recent writers and actors strike, have few shows that I actually want to watch so I’ve decided to cut down, for now, on some of these services. At the moment, I have Netflix, Disney+,…
How I Got Rid of Apple’s iCloud Tax
My favorite Apple product is my iPhone. I specifically buy the iPhone for the camera capabilities so I take thousands of photos and hundreds of video clips each year. And each year, I have found myself with ever growing needs for storage from Apple iCloud to store my videos and photos so I did the…
My Financial Asset Inventory
Yesterday I told you about my personal finance operating manual and one of the things in that manual is an annual review of our assets so to that end, I’m sharing a high level overview of my financial asset inventory. You will eventually need to compile a list like this for insurance and will &…
My Personal Financial Operating Manual
Yesterday I wrote about what held me back in personal finance in a post entitle, “What’s Holding You Financially Trapped?” A key blocker in my personal life and a “wall” in my prison cube was insufficient Education about all things personal finance. As part of my learning and discovery journey I learned that sometimes it…
What’s Holding You Financially Trapped?
One of my favorite Simpsons episode is the episode where Montgomery Burns is asked to speak at elementary school and his speech is essentially, “Family, Religion and Friendship, these are the three demons you must slay to succeed in business…” But I think a more accurate representation is a cube because it has six sides…
How I am Building My Bond Portfolio
Everyone should have a diversified investment portfolio and the general recommendation is to have a 60/40 of equities/bonds but I prefer to really diversify my portfolio which includes other things but today I’m going to talk about my bond portfolio. For the past 15 years, bonds were paying virtually nothing in terms of interest because…
How I Am Building Financial Freedom
The key to financial freedom isn’t a great job or even a pile of money because both will eventually deplete over time. You can’t work forever nor will a pile of money last forever. The key to financial freedom is to have an never ending flow of income arriving regularly to your coffers. I asked…
Know The True & Total Cost of Home Ownership
In preparation for a potential recession, I have been planning and preparing for the worst but hoping for the best. I decided to take a look at all of our home ownership expenses and take a look to see if there were anywhere to cut any expenses. Here’s an overview of my expense matrix diagram….
It’s Time To Pay The Landlord!
I love the start of the month because it indicates a day that I’ll have some income delivered to my bank account but sometimes I wish it could be like the old days depicted in the image below. I started investing in real estate to diversify away from just holding stocks, bonds and cash. I…