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Musings on personal finance and more...

What to do first when you get an unexpected windfall

  Some situations are outside of our control. An unexpected job loss. An unexpected medical situation. These are all situations when you really need an emergency fund to get you through. But perhaps I’m too focused on the negative. While … Read MoreRead More

How to have an emergency fund when you’re still in debt

  Some of you have already paid off their debts and are well on your way to becoming wealthy enough to feel safe, live easy, and accomplish anything. But some of you are knee-deep (or neck-deep) in debt, possibly living … Read MoreRead More

When your life changes, change your emergency fund

  An emergency fund is a vital tool, not just in your financial situation, but also for your sense of emotional grounding. But no kidding. I like to joke that a fully-funded emergency fund is like anti-anxiety medication, but without … Read MoreRead More

My mortgage principle that I broke (sort of)

  Finances and emotions. They go together like one explosively codependent couple. Don’t be fooled by my focus in the numbers side of the situation; I’m not immune to fear and anxiety either. I’m going through the process of becoming … Read MoreRead More

Why I’m going back into debt (or why I was never really debt-free)

  I’ve long railed against debt. Debt slows you down from achieving what you want, and forces you to pay companies that don’t have your best interests in mind. I paid off my last debts four years ago, and I … Read MoreRead More

Why not pay cash for a home?

  WARNING: This post contains math. There is definitely something compelling to owning your own home, from both a psychological standpoint but also a financial standpoint. But I’m not a fan of debt. You know this by now. And in … Read MoreRead More

How to live rent-free

  If you rent your living space, it’s probably your largest recurring bill. By a fairly significant margin. (Or, at least I hope it is. If it’s not, either you’ve got a great living situation, or you’re in big trouble. … Read MoreRead More

When is it time to let your dream die?

  Wow, is it just me, or is this time of the year been full of upheaval? Between people moving, relationships changing structure, and others switching jobs, it seems that nothing is nailed down. Maybe that’s what happens every year … Read MoreRead More

On being kicked out of my apartment, or Nothing is unexpected

  Have you ever rented a place, and been very comfortable there, only to receive a voicemail message from your landlord that started like this: “I don’t know how to say this to you, but I just wanted to say … Read MoreRead More

What do “social insurance programs” have to do with personal finance?

Last time, I wrote about someone who claimed that all of the important personal finance tenets could fit on an index card. And who then produced that index card. It contained nine ideas or suggestions, eight of which I tackled in … Read MoreRead More

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