The Two Faces of Infidelity—Financial and Sexual


Did you catch the Your Financial Relationships series published here over the past several weeks? If not, and you are in a relationship, it is a worthwhile read that is still available in the archives of Your Finances Simplified. Although the series represents a comprehensive overview, it did not specifically address the perils of infidelity. [...]

Stop Being a Truffle Pig for Your Bank


If there is one thing we can all agree on, it’s that no one appreciates being used and abused. However, we permit banks, credit card companies and other financial institutions to do just that. For example, we direct deposit our paychecks, disability, social security and tax refund checks into bank accounts. Yes … it is [...]

Maybe It’s Not About Knowing More After All


At least according to a shocking new study about financial health. First, a quick review from your high school or early college statistics class. Do you remember the term correlation? If not, here is a quick down and dirty definition for you: correlation is a calculated number that tells you how closely two separate variables [...]

Inflation, Deflation, Shrinkflation and Budgeting for the New Tomorrow

Piles of twenty dollar bills

The challenges facing America’s middle-class are legion. Unemployment, under-employment, income inequality, burdensome student loans and stagnant wages, are just a top-of-mind handful. However, there are at least three challenges facing our economy that receive too little play in the main stream media. These potential problems should be on your radar screen, which is why we [...]

So You Think You Are Middle Class?


It’s strange—there is no generally accepted definition for the term “middle class” in the United States. There are several opinions on what constitutes a middle class individual or household but, these notions vary. Although a substantial percentage of Americans view themselves as middle class, this is perception, not reality, as I will demonstrate during the [...]

On Becoming a Financial Prepper

burning earth

Isn’t it amazing? Literally thousands of people across the country are preparing for a doomsday scenario. They build underground shelters, amass food supplies, store water and squirrel away countless other items they believe will be needed come Armageddon. They are known colloquially as—Doomsday Preppers. These otherwise ordinary Americans believe a future calamity will bring civilization [...]

The Battle for Your Wallet


Do you need to save more money or rein in your spending? How about a set of unusual money saving tips? Sure, the holiday season is months away, but don’t be surprised if you start seeing early buy promos even earlier this year. With that in mind, how about a different approach? Especially if what [...]

3 Top Reasons the Middle Class is Screwed

middle class

Does middle-class mean that your income is “average”? What is household income? What is the difference between median household income and average household income? The answers to these questions are important to this discussion, so let’s get to it.

We Were All Born at Square One


Hey buddy … where you going? “Back to Square One”, he lamented. Are you one of the millions of Americans who feel like Square One is your hometown—a place to which you always reluctantly return? I’m Talking about Personal Finances How often have you scrimped and saved to put yourself and your family in a [...]

Past Due?—What You Gonna Do When They Come for You?


Hopefully you will never have to experience the consequences of credit default, but if you do, what follows may prove helpful. Debt collectors come in all varieties … some are empathetic, some try to help, and others are just garden variety horses’ asses. Yeah—you read that right.  Think of the debt collector as the moral [...]

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