Why you need to know What Scammers Do, and How

In October 2017, The Balance published a description of typical scams which explains how criminals steal people’s money using money exchanges such as Western Union (and in the news right now is that victims of scams conducted via Western Union should apply for a refund of their losses).  Continue reading “Why you need to know What Scammers Do, and How”

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How to Set Realistic Financial Goals

Having a close look at where our money is going each month is a great first step toward taking control of the money leaks we don’t even notice happening.

After reading Caitlin’s post, I recommend having a look around her blog at Born Again Minimalist.  It is refreshing, and not at all what I expected!

 

Born Again Minimalist

The most effective way to achieve your goals is to set 90-day objectives instead of looking at a looming annual goal or even a 5-year plan. You need to take small action steps so you don’t get overwhelmed and lose your motivation. This applies to anything from losing weight to planting a garden to renovating your bathroom to planning your finances.

I’m a huge proponent of Dave Ramsey’s baby steps program, which includes saving for emergencies (steps 1 and 3), paying off your debt (step 2), investing for retirement (step 4) and kids’ college funds (step 5), and paying off your home early (step 6). The reason this program works is that it breaks things down into small steps. You need to focus your energy – and money – on one goal at a time. People have their consumer debt paid off in an average of two years using…

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