Lifestyle

The Peanut Butter Sandwich That Changed My Life

The Peanut Butter Sandwich That Changed My Life

We make decisions every day. What clothes should I wear to work? What will I eat for lunch? Do I go through this yellow light and risk a red light ticket? Most of these decisions have a rather small impact on our lives. A green vs. blue shirt; a salad vs. a hamburger; a $40 ticket vs. getting to work late. If we look at our lives as a sequence of decisions, we can identify a few of them that alter our lives forever. I made one of these in High School, and didn’t even know it.

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Posted by David in Lifestyle, 36 comments
Why I Stopped Tutoring For $50 Per Hour

Why I Stopped Tutoring For $50 Per Hour

When I was in High School, I wanted a way to earn extra money. I had always been a good student, and joined a bunch of clubs. One of these offered free tutoring during my lunch period. I would quickly get lunch (cut the line), run up to the library, and then help other students with their Math and Science homework. Having done this for my Freshman and Sophomore year, I started tutoring for money, sometimes making $100 per hour. After I graduated college and wanted extra money, I started tutoring for a modest $50 per hour. The money was good, but I made the decision to stop.

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Posted by David in Employment, Lifestyle, 8 comments
Bug In Bag Update

Bug In Bag Update

Building an emergency fund is one of the single most important financial decisions that you will make. It can be difficult figuring out how big your emergency fund should be. You really need to figure out what can go wrong, and then figure out what type of impact that would have. Some people even analyze the real-world emergencies they may face, and prepare for them. This could include earthquakes, hurricane evacuations, even power outages or snow storms. I created my “bug in” bag about 6 months ago, and I have re-evaluated my choices and am making changes to better suit my specific needs.

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Posted by David in Lifestyle, 2 comments
How Much Money Does Your Emergency Fund Really Need?

How Much Money Does Your Emergency Fund Really Need?

Emergencies are always waiting to strike. It could be weather or a job loss. Your car could break down, or you could have an unexpected medical bill pop up. Regardless of the situation, having a stockpile of money to help you through these problems is extremely important. Not only will it help you weather these emergencies, but it will give you peace of mind that you can weather these emergencies. But how much money should you have saved? Well, that entirely depends on what your emergency fund is for.

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Posted by David in Budgeting, Lifestyle, 38 comments
What I’m Reading #4

What I’m Reading #4

Welcome back to What I’m Reading! It’s been a few weeks since I posted my last one. I would have posted while I was on vacation, but decided that I would much rather enjoy it and not worry about running Zero Day Finance. If you aren’t already yet, you should subscribe to my mailing list. I’ve developed an extremely useful budgeting spreadsheet that will help you track your spending, as well as automatically track Zero Days, show how your expenses affect your bottom line, and whether or not you are achieving your goals. This will be released within the next week. Without further ado, here are this week’s blog posts that I’ve been reading!

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Posted by David in Blogging, Investing, Lifestyle, Saving, 8 comments