A Guide to Making Better Financial Decisions for a Brighter Future

Making wise financial decisions can increase the odds of a brighter financial future. Often, it involves a plethora of ideas on how to invest, save, and how to cut down on expenses.  Although there are ways to a better financial future, many Americans are struggling with their finances. Statistics show that 67% of Americans have a hard time coming up with a $1,000 to fund an emergency.

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Budgeting: Finding the Motivation to Stay Disciplined

With as many as 80% of Americans in debt, it's obvious that the country as a whole is facing a budget crisis. You're determined to move out of that 80 percent. You've written a budget, and you're going to stick to it. Unfortunately, your budget keeps failing! Finding the motivation to stick to your budget can be a challenge, but you'll find that in the end, it's well worth the effort.

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About The Author

Mikkie Mills's picture

Mikkie Mills is a freelance writer who's passionate about health, fitness, organic cooking and eating, and yoga. When not writing she loves traveling, hiking, and cooking. Find more from Mikkie on Google+.

The Trimurti of Household Budgeting

Intro:

Personal finance types, myself included, often recommend making small lifestyle changes to save more money for retirement. A prominent example is the latte effect, which holds that cutting out a daily cup of coffee can theoretically save 1,000’s of dollars (it can). This kind of advice, however, really gets under some people’s skin.

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About The Author

James Flannel Guy ROI's picture

Portland, Oregon-based Flannel Guy ROI is a working dude and family man that likes flannel shirts and wants to achieve financial independence a little sooner than most, particularly by making smart spending decisions and living intentionally. 

His overall idea is to look at spending decisions as investments: what decisions will return the most value to you over time? 

Each scenario is evaluated over a 10-year horizon with the following summary statistics:

Present value – what is the total value of your investment and expected returns in today’s dollars?
Return on investment (ROI) – how much of your original investment will you make back?
Payback period – how long will it take you to recoup your original investment?

Learn more at www.flannelguyroi.com

ROI - Cooking at Home vs Eating Out

Cooking at Home -vs- Eating Out

Intro:

Tags: 

About The Author

James Flannel Guy ROI's picture

Portland, Oregon-based Flannel Guy ROI is a working dude and family man that likes flannel shirts and wants to achieve financial independence a little sooner than most, particularly by making smart spending decisions and living intentionally. 

His overall idea is to look at spending decisions as investments: what decisions will return the most value to you over time? 

Each scenario is evaluated over a 10-year horizon with the following summary statistics:

Present value – what is the total value of your investment and expected returns in today’s dollars?
Return on investment (ROI) – how much of your original investment will you make back?
Payback period – how long will it take you to recoup your original investment?

Learn more at www.flannelguyroi.com

How to Succeed at Budgets Without Really Trying

While a few people in the personal finance blogosphere might truly believe that budgets are sexy, most people probably think of budgets as a pain in the ass, and I would tend to agree.  The thing is, however, if you have ambitious savings goals, you probably really need a budget to help you stay on track.

Tags: 

About The Author

James Flannel Guy ROI's picture

Portland, Oregon-based Flannel Guy ROI is a working dude and family man that likes flannel shirts and wants to achieve financial independence a little sooner than most, particularly by making smart spending decisions and living intentionally. 

His overall idea is to look at spending decisions as investments: what decisions will return the most value to you over time? 

Each scenario is evaluated over a 10-year horizon with the following summary statistics:

Present value – what is the total value of your investment and expected returns in today’s dollars?
Return on investment (ROI) – how much of your original investment will you make back?
Payback period – how long will it take you to recoup your original investment?

Learn more at www.flannelguyroi.com

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over the shoulder view of tablet that say FINANCE on a table alongside coffee and sugar
03/26/2018
Anonymous (not verified)
Making wise financial decisions can increase the odds of a brighter financial future. Often, it involves a plethora of ideas on how to invest, save, and how to cut down on expenses. ... read more
Two bright pink piggy banks fighting over a dollar bill.
05/07/2017
With as many as 80% of Americans in debt, it's obvious that the country as a whole is facing a budget crisis. You're determined to move out of that 80 percent. You've written a budget, and you're... read more
Trimurti carving of Hindu gods Vishnu Shiva Brahma
06/12/2016
Intro: Personal finance types, myself included, often recommend making small lifestyle changes to save more money for retirement. A prominent example is the latte effect, which holds that... read more
broccoli peppers chicken laid out in a grid
09/13/2015
Cooking at Home -vs- Eating Out Intro: Here’s the thing. I used to eat out at restaurants so much that I decided to start a food blog in 2010 to keep track of all the... read more
colorful pie chart
06/21/2015
While a few people in the personal finance blogosphere might truly believe that budgets are sexy, most people probably think of budgets as a pain in the ass, and I would tend to agree... read more
over the shoulder view of tablet that say FINANCE on a table alongside coffee and sugar
03/26/2018
Anonymous (not verified)
Making wise financial decisions can increase the odds of a brighter financial future. Often, it involves a plethora of ideas on how to invest, save, and how to cut down on expenses. ... read more
Two bright pink piggy banks fighting over a dollar bill.
05/07/2017
With as many as 80% of Americans in debt, it's obvious that the country as a whole is facing a budget crisis. You're determined to move out of that 80 percent. You've written a budget, and you're... read more
Trimurti carving of Hindu gods Vishnu Shiva Brahma
06/12/2016
Intro: Personal finance types, myself included, often recommend making small lifestyle changes to save more money for retirement. A prominent example is the latte effect, which holds that... read more
broccoli peppers chicken laid out in a grid
09/13/2015
Cooking at Home -vs- Eating Out Intro: Here’s the thing. I used to eat out at restaurants so much that I decided to start a food blog in 2010 to keep track of all the... read more
colorful pie chart
06/21/2015
While a few people in the personal finance blogosphere might truly believe that budgets are sexy, most people probably think of budgets as a pain in the ass, and I would tend to agree... read more