PFT #17 - How Receipt Tracking Can Help the Budget and Save the Environment
What is good advice when managing store receipts from retailers? Some policies will give full credit, while others provide a store credit.
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David Mulonas
- Mar 31, 2021
- 2 min
PFT #16 - Personal Finance Tip: Increase Savings in the Grocery Budget by Watching Unit Pricing
Saving money on familair products with a quality mindset is a winning formula to create disposable income to control debt and build savings.
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David Mulonas
- Mar 24, 2021
- 2 min
PFT #15 -Personal Finance Tip: Checking Your Credit Report and the Impact on Your Budget
You can also go to annualcreditreport.com and get a free copy of your credit report every 12 months from each credit reporting company.
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David Mulonas
- Mar 17, 2021
- 2 min
PFT #14 - Reconiling the Budget When Removing Products and Services
The lesson learned here is to complete the budget tasks on a monthly basis otherwise you may be paying for things that you are unaware of.
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David Mulonas
- Mar 14, 2021
- 2 min
#PFT 13 - Personal Finance Tip: How to Save Money on Your Electric Bill and Improve the Budget
So what if you could follow these tips to save a few dollars on your electric bill and reduce the budget by 20% or so?
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David Mulonas
- Mar 3, 2021
- 3 min
PFT #12 -Personal Finance Tip: How Shopping For Medical Procedures Can Save Money on the Budget
I had a surgery estimated to cost $10,000 and after my research was complete, I switched to a new medical facility and saved $9,000.
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David Mulonas
- Feb 25, 2021
- 2 min
PFT #11 - Personal Finance Tip: Buying Used Tires Online Can Be 50% Cheaper for Your Budget
Replacing tires can cost anywhere from $500 - $1,000 depending on the brand, tire rating, size and other factors. So that's expensive.
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David Mulonas
- Feb 18, 2021
- 2 min
PFT #10 - Personal Finance Tip: How Coffee Slowly Drips Away Your Monthly Budget
Just Imagine if you are a family of four that drinks coffee everyday; the amount of money that can be saved is staggering.
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David Mulonas
- Feb 11, 2021
- 2 min
PFT #9 - Personal Finance Tip: 40% of the Grocery Budget is Wasted
The Bureau of Labor Statistics says the average household spends more than $7,700 per year and can be the highest cost in the budget.
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David Mulonas
- Feb 3, 2021
- 2 min
PFT #8 - Personal Finance Tip of the Week: Realized Capital Gains and Losses From Stock Ownership
For most assets the capital gain tax rates that are held for less than a year, are treated as ordinary income as if you earned a paycheck
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David Mulonas
- Jan 29, 2021
- 2 min
PFT #7 - Personal Finance Tip: Rule of 72 and Compound Interest a Retirement Nest Egg
In today’s world it is incumbent on you to build your retirement nest egg therefore, you can use the rule of 72 as a base calculation.
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David Mulonas
- Jan 21, 2021
- 2 min
PFT #6 - Personal Finance Tip: Hand Washing Your Dishes Wastes Water; Let the Dishwasher Do the Work
The bottom line is that if you have an Energy Star rated dishwasher this means that you will be using ¼ less energy than washing by hand.
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David Mulonas
- Jan 15, 2021
- 2 min
PFT #5 - Personal Finance Tip: Prolong the Life of Your Candles and Help Your Budget
By our estimation, you can extend a candle’s life by approximately 25% - 50% more than what is stated on the jar.
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David Mulonas
- Jan 6, 2021
- 2 min
PFT #4 - Personal Finance Tip: What is Private Mortgage Insurance (PMI) and How to Get Rid of it
PMI occurs when you do not have at least 20% of equity or 80% loan-to-value when you purchase the home.
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David Mulonas
- Jan 1, 2021
- 2 min
PFT #3 - Personal Finance Tip: FSA Funds - Use Them or Lose Them
If you don’t spend your FSA money by January 1st your account value will go to zero dollars. So stock up on supplies to use that money
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David Mulonas
- Dec 23, 2020
- 2 min
Personal Finance Tip #2 - Collect Holiday Gift Bags to Save Money and the Environment
Here's's a great way to save some money, and that is to save the boxes, bags and bows and so on, rather than throwing them away.
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David Mulonas
- Dec 18, 2020
- 2 min
Personal Finance Tip #1 - The Hidden Cost of Eating Out For Lunch on the Budget
Eating out for lunch is often one of the most hidden expenses in the budget each year; not to mention that 40% of food is wasted.
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