The 1st Rule to Adding Safety and Security to Investing

claudiaBlog, Financial Independence Services, Personal FinanceLeave a Comment

As part of the pros vs cons debate series, I’ll be tackling a classic question in the personal finance world:  Do you really need an emergency fund?   You can consider this question with the same perspective that you would use when answering the question ‘do you need insurance?’ You know the answer is yes, but while you are young … Read More

How to Survive the Holidays Without Going Broke

claudiaBlog, Financial Independence Services, Mindset, Personal FinanceLeave a Comment

“Black Friday. Cyber Monday. Cyber Week. Today Only. 6 Hour Only Sale.” This time of year, maybe more than any other time of year, there are tons of ads and commercials.  Everywhere you look is another message about a sale. You can’t escape them. So it’s very easy to get caught up in the melee of holiday shopping. “Some 40% … Read More

Gain Financial Balance with 50-20-30 Rule

claudiaBlog, Financial Independence Services, Personal FinanceLeave a Comment

Let’s face it, nobody likes budgets. Don’t get me wrong. I’m still a proponent of budgeting. It serves a very important purpose in understanding where your money is coming and going through your purse or wallet, so you can eventually take control of your money management. A budget can also provide a visual map of where your financial goals and … Read More