Teens don't typically think long-term strategies. That's not surprising. They have only been alive for less than 20 years (hence the term...

"If I had only been taught this stuff when I was young." I hear it often. We use the ignorance of the past to serve as our excuse for...

We are refinancing our home mortgage. Interest rates are still extremely low and our rate will only be dropping from 4.5% to 3.625%. ...

People talk about willpower as if it is some supernatural power. A force that requires Jedi-like mastery that can be used to alter the...

In 1943, Abraham Maslow introduced us to his hierarch of needs concept. The basic premise is that needs must be satisfied from the...

A popular expression I used to hear a lot when I was in the service was "you're never going to get rich working for the government". I'm...

According to Vicki Robin, author of Your Money or Your Life, U.S. respondents to happiness surveys consistently rate their happiness...

The New York couple in this CNBC article feels stress about their finances and “average” lifestyle, despite a household earning of...

This is a great reminder that your income level is only one aspect of your personal finance strategy. Granted it is a very powerful part...

On Saturday night I led the first session of a basic personal finance training class I am offering through my church. I can't claim to...

People assume the funniest things. Our two kids are a little over 8 years apart in age. Someone once referred to Caleb as our “oops”...

The question comes up often, “So, what do you do?” I stumble over the answer every time. It usually sounds like: “I’m not really doing...

When we originally cancelled our cable television subscription (around 10 years ago now), I purchased a rooftop antenna and a desktop PC...

I’m not sure when I was introduced to the envelope system for budgeting.  I know it was well over 20 years ago, however.  My...

Adding iTunes Artwork We recently ended our subscription to Apple Music’s family plan and switched to Spotify’s family subscription (same...

StreamStation – iOS (iPhone/iPad/Apple TV) Why do I like it? – Although I primarily listen to podcasts these days, I often listen to...

Last Friday my wife and I took several items to a consignment shop.  The load primarily consisted of duplicate items within her...

Hello, my name is Philip Stratton.  Welcome to my blog. Like so many others, I have made several new year resolutions.  You see, 2018 is...