Where’d it go?

In the budgeting world, it’s called leakage – the difference between what you think you spend and what you really spend. Leakage or spending on wants rather than needs typically takes the form of eating out, travel and just plain stuff. In the U.S., 34% of consumers...

Unmentionables and other clothing items

I’d guess that I do over a hundred budgets a year with clients and they often tell me they don’t spend anything on clothes – I’m not buying it. I’ve been meaning to see just how much the average Joe or Jane does spend so that I can give a little push back and say, “on...

Cultivate!

Treat yourself this weekend to some of the best originality Tucson has to offer! Cultivate is a pop-up market featuring local designers, makers, independent shops, and artists with an additional mission of cultivating community. Built on the very timely sentiment...

We don’t know what we don’t know…

But you can find out what you don’t know with just a few clicks. Nearly 25,000 people from all 50 states have completed the National Financial Literacy Test – a 30 question test designed to measure participants’ ability to earn, save and grow their money. The average...

Spending Fast: Notes from the Field

Our spending patterns are habits and habits can be powerful. One way to break them is to go cold turkey. Below is an account of a married couple who have been through the 3rd Decade™ program and decided to double down on saving, investing and paying off student debt...

Did I hear that right?

A recent radio ad for Cash Call Mortgage exclaimed “Your house is your bank!” Have we learned nothing? Investing in stocks is inherently risky; the same goes for real estate. Values boom and bust and then we quickly forget. To help us remember, here’s a quote from the...