We Believe! – Our Xmas Principles Spectacular

We believe! Our Christmas Principles SpectacularAh, the end of the year. It is a time for ugly sweaters, family fights fun, and eggnog….lots of sweet, alcoholic, eggnog. It is also a great time to reflect on the year that was, the year that is going to be, and the principles that make us who we are. So, if you’ll indulge me, I invite you to put down that moldy piece of fruitcake, pull up a chair, and take a peek at some of the things we think are important here at Club Thrifty. And, when we are done, maybe there will be time for a carol or two. [Read more…]

5 Personal Finance Lies Your Parents Told You

lies 1When it comes to personal finance advice, it’s only natural to turn to your parents first. Most young people don’t receive any kind of personal finance education in school, and your parents have the benefit of age and experience to guide them in financial matters.

But if you’re relying on your parents for financial advice, you may be surprised to learn that, in many ways, they don’t know what they’re talking about. It’s not that your parents lie to you about finances intentionally; it’s just that the economic landscape has changed considerably since they were your age.  Let’s take a look at some of parental words of wisdom that you may want to take with a grain of salt. [Read more…]

Who Wears the Financial Pants in Your Family?

queen bitchA few weeks ago, I was having a conversation with a friend’s husband when I was called out for something that is 100% true- the fact that I’m a control freak.  #guiltyascharged

I know, I know.  I shouldn’t be proud.  But the thing is, I don’t want to change at all. In fact, I believe my Type A personality is actually an asset- one that allows me to make quick decisions and manage our day-to-day lives without much effort or stress. [Read more…]

How to Balance Financial Priorities

balanceI am currently on my way home from visiting my in-laws in Minnesota, so please enjoy this post from Kali Hawlk.  Kali blogs about personal finance over at CommonSenseMillennial.com.

Fundamentally, personal finance is pretty simple. Spend less than you earn and try to save more than you spend. Easy, right?

But of course, it always seems to be more complicated than that with retirement to think about, debt to deal with, bills to pay, and goals to reach. Not many of us have just one financial priority to think about; instead, we’re forced to try and make our income stretch as far as possible to take care of multiple things. [Read more…]

It All Boils Down to YOU: A Rant

personal responsibilityAnyone who knows me knows that I absolutely hate politics.  I hate politics so much that I refuse to commit to a political party and ignore anything and everything that is overtly partisan.

I’m probably a libertarian, but I don’t really want to commit to that either.  I just want to think what I think, you know?  I don’t need anyone spoon-feeding me and I don’t feel the need to belong or be on the “winning side” or the “losing side.”  I’ve always hated team sports. [Read more…]

USA Today: The ‘American Dream’ Now Costs $130K

american dreamAccording to the experts, you aren’t really living a fulfilling and happy life unless you’re earning at least $130K per year.  This newsflash comes courtesy of a new analysis from USA Today which says some pretty ridiculous things about what it now costs to live the “American Dream.”  I find these articles offensive because, for starters, making blanket statements about what the American Dream means is pointless.  Not only that, but perpetuating these lies can be detrimental to the American psyche as well.  Why?  Because it leads people to believe that will never have enough money to be happy and financially secure. [Read more…]