Are You Going All In on Retirement?

Are You Going All In on Retirement?

Today (July 26) is “All or Nothing” Day. You don’t have to solve your financial problems in one fell swoop, but you can stop procrastinating on your retirement savings. Now is the time to go all in and get started. According to the Employee Benefit Research Institute (EBRI), about 50% of workers say cost of

Building Credit as an Authorized User

Building Credit as an Authorized User

Could you improve your credit by being added as an authorized user on someone else’s account? One of the questions that readers often ask me is whether or not building credit as an authorized user is an option for their finances. The good news is that, in some cases, it can be a good way

How to Use Technology to Make Better Investing Decisions

How to Use Technology to Make Better Investing Decisions

We are fortunate to live at a time when technology makes investing easier than ever. With the help of technology, you can make better investing decisions and grow your wealth. Technology has been a boon to me. Because of the Internet, I can work from home and create a flexible lifestyle that I enjoy. The

How to Use Personal Loans to Smooth Your Finances

How to Use Personal Loans to Smooth Your Finances

Contrary to popular belief, personal loans can be helpful when it comes to your finances. Here’s how I use personal loans to help manage my money. In the world of personal finance writing, I’m a bit of an anomaly when it comes to debt. I don’t mind getting an auto loan if my interest rate

4 Ideas for Investing in a Socially Responsible Manner

4 Ideas for Investing in a Socially Responsible Manner

Many of us like the idea of investing in a socially responsible manner. If you are hoping to invest in a good cause, here are a few ideas. For many of us, life is about more than just making money, and investments are about more than a bottom line. Many of us like to feel

How to Dissolve Your Home Business

How to Dissolve Your Home Business

You might reach a point where it becomes necessary to dissolve your home business. Here are a few things to keep in mind. When you start a home business, you don’t often assume that you will have to dissolve it. Choosing a business organization should have been a careful process, so it’s uncommon to get to

Are You on #TheRoad to Financial Wellness?

Are You on #TheRoad to Financial Wellness?

The following blog post is part of The Road to Financial Wellness Blog Tour. Over a period of 30 days, the Phroogal team will go to 30 locations to raise awareness about financial empowerment. Today (June 5, 2015) they will be in Philadelphia! Our goal is to help people learn about money by starting the conversation.

6 Ways to Invest Your Time

6 Ways to Invest Your Time

We often get hung up on financial concepts when it comes to investment. But have you thought about how you invest your time? Investing is often considered in monetary terms. However, we have other resources to invest. On of those resources is time. Before you get too hung up on money, think about the way

A Brief Reflection on Non-Monetary Cost

A Brief Reflection on Non-Monetary Cost

As a personal finance writer, I often see in financial cost. I run the numbers on home ownership and find them wanting. The monetary cost of decisions I make every day are considered. But what of non-monetary cost? Sometimes I fail to think of the impact on myself and my son. What will the non-monetary impacts