Category Archives Money

Right now I'm going through my monthly bills and getting rid of all the things I just don't use anymore.Audible: $23.00 a month (ouch)Magazine subscriptions: $2.00 to $4.00 a month, but added up to $23.00 totalHome Phone: $44.50 a month - and I don't use it. Ever. Goodbye verizon.Cable TV: I was paying $82 a month, cancelled it, got directvnow for only $35 a month. Instant savings, have the same channels.Do you have other monthly fees such as spotify and you're not using it? Pandora maybe?Do you have a monthly gym membership you just keep in the hopes you're going to use it?Heck, I called my security company for an upgrade (ADT) as I've had the same system for 11…

Thought this was a short article telling us what we already knew: https://bgr.com/2017/10/31/cord-cutting-best-cable-alternative-2017-directv-now-vs-hulu-youtube/ I was one of them.Cheaper TV is good for the consumer. Sure the businesses will suffer, but they will need to transform. They've been living high on the hog for too long. I recently moved over to DirecTVNow.  However they capitalize it...  and use Roku players and a mix of Apple TV players.  The pricing starts at $40.00 a month.  Which is a bit more then when I started, I want to say it was only $35.00 so pricing has gone up, but also so hasn't the features.  Since I started, they've now added all the local channels, a DVR service, and many more channels overall.  So…

It's time for the ultimate robo-investor showdown.  I decided to download all three apps last year and find out which one I liked the best.  Acorns and Betterment are true robo-investors where you set your risk tolerance and send them money as/when you can Acorns.comAcorns is a very simple but effective app for roboinvesting. You attach a bank account, can make one time investments, or set up recurring investments. I decided to try the reoccurring investing. What I liked about this program is that there are other ways to invest. They have something called "round ups" where you can attach a credit card and if you spend say 28.77, the next .23 will be taken aside and when you hit…

Simplicity.That's what I love about excel sheets. I watch people make things far more complicated than they need to be in excel, but truly you just need it for keeping track of a few numbers and totaling them up.Me personally? My wife and I have been using the same excel sheet for 17 years now.  No lie.  Same spreadsheet.  It's actually been in an OpenOffice format now for sometime, but you get the idea - It's the same thing as excel.We started the excel sheet back on 11/26/2001We are currently on cell 16,032 and started on cell 10For those that don't use anything, here is a sample excel file that is actually modeled after one I use for work. It's…

Carter's Simple Rules 1. Spend Less Than You Make 2. Invest In a Total Stock Market Index Fund ... and that's it! It doesn't need to be any more complicated than that and it really is that easy.   You can stop reading and go on with your life after this major wisdom drop. Think on it for a while. If you have time, I broke it down much deeper so keep reading or come back and read later.   Investing People become confused because there is an endless supply of investment choices, because we all want a short cut; We all believe we can do it faster and better, that you're going to be the person to beat the average, the next Warren…

My annual self-imposed no purchase for 30 days.  It falls roughly sometime between September 15th to October 15th. I figured this time of year works best because there are no major holidays, no reasons to really go out and buy things. School shopping is over and Halloween isn't here.  I also find that no one is really Christmas shopping yet either. Making this the perfect time to not buy a damn thing and honestly to see if it can be done. Rules of the Game: This is personal, not family related. Go family if you want to play on the hardcore level only. The rest of us are doing it just personally! Of course you can buy food. Grocery shopping…

It was only a matter of time, but I don't believe anyone expected Fidelity to be the first company to come out with zero fee funds.  Vanguard is usually the company most online think of and recommend when it comes to low fee funds.  Fidelity looked them square in the eye and said:  We can do better. The two funds they created are: FZROX FZILX The FZROX follows the United States total market.  The description from their site:  The fund seeks to provide investment results that correspond to the total return of a broad range of U.S. stocks. The FZILX fund is their international fund: The fund seeks to provide investment results that correspond to the total return of foreign…

Close