Okiepennypincher

I look forward to the day when I can say I am retired. I envision myself golfing two or three days per week and working out at the gym almost everyday. Continue reading “Traditional vs. Roth IRA”

Growing up I never really had a role model when it came to finances. My mother was a single-parent who was disabled, so she did not work.  We were  definitely poor and struggled to have the basic necessities at times. She did not always make the most sound decisions with money, but money was very limited anyway, so it did not really matter that much. Continue reading “Being A Frugal Role Model For My Son”

In the past, I wrote about creating a budget and utilizing the envelope system to become more financially sound. Knowing your budget is probably the most critical aspect when trying to save. If you do not know where your money is going, you will never be able to maximize your savings. Continue reading “Budgeting and Envelope System: Putting It All Together”

How many people struggle to save? When I was 18 years old, I was not the best at managing my money. I lived paycheck to paycheck. Frankly, I was often broke after a few days and I got paid every week. Continue reading “Saving: Mind Over Matter”

Creating a budget is no easy task. Continue reading “Creating Your First Budget”