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Musings on personal finance and more...

Diving board

How to calculate your true account balance at the end of the month

WARNING: This post contains math. How much float do you need? Well, optimally you’d have enough float such that you could cover your entire month’s expenses on day 1, just to be safe. But in general you want to have … Read More … Read More
Floating ball

How float can help you track your expenses more effectively

Let’s talk about float. As I’ve defined it before, float is the money in your checking account that is above and beyond your paychecks. It is a cushion for your day-to-day balance changes. Having adequate float in your account is … Read More … Read More
Scribble Squiggle

Getting rid of PMI (part 2): The M stands for “misdirection”

Part of a series: Getting rid of PMI (part 1): The P stands for “parasite” Getting rid of PMI (part 2): The M stands for “misdirection” Getting rid of PMI (part 3): The I stands for “I already told you” … Read More … Read More
Exasperated face

Getting rid of PMI (part 1): The P stands for “parasite”

Part of a series: Getting rid of PMI (part 1): The P stands for “parasite” Getting rid of PMI (part 2): The M stands for “misdirection” Getting rid of PMI (part 3): The I stands for “I already told you” … Read More … Read More
Desk and contract

Why I charge for my services

I am not good at asking for money. If you want an example of my personal hell, it would be to be one those of people who stand on street corners and accost you as you pass. “Hey friend! You’re … Read More … Read More
Horsemen

The two unsung horsemen of accomplishment

We all know what we need to do. But a lot of the time, we just don’t do it. Some of the reasons are well-trodden and known. We’re all busy, we’re all stressed, we’re all tired. There’s not much that … Read More … Read More

I’m getting a new phone!

With the new year approaching, it’s time not only to reflect on the year that’s passed, but it’s also time to look at where you are today and see if it’s still working for you. What would you like to … Read More … Read More
Machu Picchu cliff

The hesitation before putting extra money toward a big goal

Recently, I found myself in the situation where I had a little extra money. Not a ton, you understand, but it felt significant to me. Now, as I’ve argued before, the first thing you do when you receive an unexpected … Read More … Read More
Vishu Kani

Year in review 2016: Your top 10 favorite posts

I wrote about my favorite posts for this year. But what about yours? Just like I did in 2015, 2014, and 2013, I ran a report and came up with the ten most-read posts for this year. … Read More

Year in review 2016: My top 10 favorite posts

What a year it’s been. This site has now been humming along for over four years now. As I continue to post twice per week, that means that there are over a hundred posts on this site over the past … Read More … Read More

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