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David Mulonas
Apr 8, 20212 min read
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
Apr 5, 20219 min read
#53 - Millennials and Their Money - We Debunk the Stereotypes and the Myths
We are going to talk about millennials, stereotypes and money. There are many myths and we'll discuss what the truth really is.
24 views0 comments


David Mulonas
Mar 28, 20217 min read
#52 - The Best Way to Manage Your Stimulus Check and the Future Impact on the Budget
Let’s take a scenario and say a family of four is making under $160,000 AGI. This means that $5,600 ($1,400 per person) will be sent out.
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David Mulonas
Mar 24, 20212 min read
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 22, 20216 min read
#51 - The Netflix Show Marriage or Mortgage: We Provide Finance Tips and How to Manage the Budget
People want the wedding and the house for the future. The wedding is a one-day event that will be in memory for years to come.
114 views0 comments


David Mulonas
Mar 17, 20212 min read
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 15, 20218 min read
#50 - Relationships, Personal Finance and Divorce. When is the Right Time to Discuss the Budget?
Here's one golden rule: Never judge a book by its cover or one's net worth based on the car he or she may drive.
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David Mulonas
Feb 28, 20217 min read
#48 - No Budget Typically Means no Planned Retirement: You Need a Fixed Budget. We'll Show you How.
According to many different surveys around â…” of people do not follow a budget or if they have one, they do not maintain it.
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David Mulonas
Jan 11, 202110 min read
Podcast #41 - Are You Ready for a Big Move Into the Tiny House Movement?
A tiny house is defined as a dwelling unit with a maximum 400 square feet of floor area, excluding lofts.
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David Mulonas
Jan 4, 20216 min read
Podcast #40 - Establishing Good Credit for Your Children and Some Important Reminders for Adults
How do we establish credit for your children? They cannot apply for a credit card legally until age 18; they may may have an authorized user
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David Mulonas
Dec 31, 20205 min read
Podcast #39 - Deferred 0% Interest Rate Credit Cards and How They Impact Your Budget
Rule #1: as long as you pay the credit card with regular installments before the 24 months expire you will accumulate no interest.
42 views0 comments


David Mulonas
Dec 23, 20202 min read
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.
20 views0 comments


David Mulonas
Dec 18, 20202 min read
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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David Mulonas
Oct 25, 20207 min read
Podcast #3 - 401(k) Withdrawals and Loans
When you take a 401(k) withdrawal, you'll face a 10% penalty if you're under the age of 59.5 years of age
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David Mulonas
Sep 15, 20205 min read
#24 - What is Debt-to-income Ratio and to Use it When Purchasing or Refinancing a New Home
DTI is used as a measure for loan approval. We'll this explain simple calculation to be prepared when applying for a mortgage or refinance.
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David Mulonas
Apr 21, 20203 min read
Podcast #3 - Credit Card Balance Transfers
I would recommend looking into balance transfers for as low as 0% interest typically for 18 to 24 months if you have a higher interest rate.
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