Budgeting

Famine in Egypt: Joseph and Pharoah Ready

The Mormon Church’s Financial Responsibility Should Be Emulated, Not Criticized

Recently there has been a lot of buzz about how much money the Mormon Church has in its possession after an accusation came out from former church members and twin brothers David and Lars Nielsen. David was a former employee of church-owned investment firm Ensign Peak Advisors. The claim from the Nielsens is that the …

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Most Practical Christmas Gifts

Practical Christmas Gifts That Last Well Beyond the Holiday Season

In my family, I’ve developed a bit of a reputation as the guy who’s not driven entirely by fun and amusement as my primary motivation. In fact, when it comes time my birthday each year, my wife years ago developed the habit of learning ahead of time what things I most needed, whether it was …

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Debt to Income Ratio Recommendations from Wells Fargo

Wells Fargo Debt-to-Income (DTI) Guidelines and Recommendations

Wells Fargo is one of the largest lenders in the United States, one of the biggest banking institutions in the world. They offer all sorts of loans ranging from traditional home purchase mortgages to student loans, personal loans, auto loans, and business loans. Wells Fargo knows a thing or two about lending, including what causes …

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Purchase Automobile from Used Car Dealership

Buying a Used Car: Is an Auto Dealership or Individual Seller Better?

My Recent Used Car Shopping Experience Recently my family outgrew our Toyota Sienna as we went from 6 kids to 7 with the birth of yet another little boy. After some research on various vans (including the Nissan NV3500, the Mercedes-Benz Sprinter, the Ram ProMaster Passenger, the Chevrolet Express, and a couple other options) that …

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How to Cancel a ConvertKit Subscription Account

Article Summary: Canceling Your ConvertKit Account Unlike most online subscriptions, canceling your ConvertKit account can’t be done from your user portal. In fact, like many other subscription model businesses, ConvertKit seems to have done as much as they can to disguise the mechanism for canceling your account. Compared to many of the other subscription services …

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Family Goals Incentives Motivation Productivity

Using Financial Goals and Incentives to Increase Family Productivity and Protect Wealth

Several years ago, my wife brought up with me the topic of purchasing a nice mini-grand piano to put into our front, formal room. We did a little research and found out that we’d be looking at spending in the range of $5,000 to $10,000 to get something that matched what my wife and I …

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FICO Credit Score Factors

What Factors Affect Your Credit Score?

Credit Reporting Agencies and FICO Score Understanding how significantly your credit score affects your access to borrow money, you naturally want to know what factors affect your credit score. I will answer that question for you, and I’ll provide other details related to credit scores that should help you make good financial decisions as you …

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EveryDollar Install Apple AppStore for Mobile Devices

EveryDollar App Available for Computer, Apple, and Android Devices

If you’re in the process of getting your personal finances in order by using a budgeting system, or if you’re simply looking for something simpler, effective, or easier to use, I’d suggest the EveryDollar app made by Dave Ramsey’s organization to be used along with his financial management approach. One of the top reasons I …

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