David MulonasDec 16, 20211 minPFT #53: Personal Finance Tip: The Personal Finance Tips One-year AnniversaryThis week’s topic celebrates our first 52 personal finance tips.
David MulonasDec 9, 20212 minPFT #52 - Personal Finance Tip of the Week: Radon; The Silent KillerRadon is a silent killer because it’s an odorless gas that we breathe in normally; and it is the second leading cause of lung cancer
David MulonasOct 28, 20212 minPFT #46 - Personal Finance Tip: How to Manage the Rainy Fund Especially During Rising InflationThe rainy day fund is money that is set aside in the budget to account for small, unforeseen expenses, but how do you manage it?
David MulonasSep 9, 20211 minPFT #39 - Personal Finance Tip: Debt-to-Income Ratio & The Risks of Getting a Loan ApprovedDTI measures the amount of debt correlated to your overall income. This helps to determine if you can get a loan approval
David MulonasJul 30, 20211 minPFT #33 - Washing in Cold Water Saves Money and the EnvironmentMany people think that washing in hot water is safer; however, choosing cold is fine for most clothes including delicate fabrics
David MulonasJul 27, 20211 minPFT #32 - Don't Refinance Your Mortgage Just to Refinance There is an allure to lower your mortgage payment; however, you don’t want to refinance just to refinance.
David MulonasJul 26, 20212 min#69A - 2021 Early Child Tax Credit UpdateChildren 17 or younger are generally eligible for the child tax credit payments, but there are conditions and the payments are coming early
David MulonasJul 26, 20211 minPFT #31 - Switching From Butane to an Arc Lighter - Save Money and the EnvironmentSave money with an arc lighter. No butane, no batteries. Long lasting and beneficial for the environment.
David MulonasJul 26, 20214 min#69 - Couples Unified Budget Review Should couples have their own bank accounts? Should they have one budget or two?
David MulonasJun 29, 20211 minPFT #27 - The Line of Blueland Cleaning Products - Save Money and the EnvironmentBlueland cleaning products reduce waste and puts more money in your pocket
David MulonasMay 27, 20216 min#60A- What is Inflation and How Does it Effect the Economy and the Stock Market?Inflation is on the rise in many financial sectors of the economy. What causes it and what is the best way to invest when prices increase?
David MulonasMay 24, 20213 min#60 - Listener Feedback: You Can't Retire on $1 Million Dollars and Have a 45-year Nest EggHow much money do you need to to retire early and comfortably for a long period of time?
David MulonasMay 13, 20212 minWho are Fannie Mae and Freddie Mac?Fannie Mae and Freddie Mac are government sponsored enterprises (GSEs). They buy mortgages from lenders to free up capital for borrowers.
David MulonasMay 10, 20215 min#59 - Why the FIRE Movement Should Be Called FISH: Financial Independence Side HustleChange Financial Independence Retire Early to Financial Independence Side Hustle (FISH). Most people cannot retire without having a job.
David MulonasMay 3, 20216 min#57 Life After College: I Need Job. I Need a Budget. Where Do I live? Help!We are parents of kids that are now out of undergrad and facing real life. The kids need to find jobs, budget and figure out their lives.
David MulonasMay 1, 20211 minGovernment Sponsored Entities (GSEs)A government-sponsored enterprise's (GSE) function is to enhance the flow of credit to targeted sectors of the economy.
David MulonasApr 29, 20212 minPFT #20 - Personal Finance Tip: When is the Right Time to Buy a House?Low interest rates, lack of labor and supply are the right ingredients for an unprecedented housing market; perhaps a housing bubble.
David MulonasApr 22, 20212 minPFT #19 - Personal Finance Tip: How to Save on Your Gardening BudgetA great way to save money on flowers is to buy flats of flowers and make your own hanging baskets. This can save 50% on cost.
David MulonasApr 16, 20212 minShould You Make Biweekly Mortgage Payments?Many mortgage companies have a biweekly payment plan to make 13 payments each year. This can you save thousands of dollars interest.
David MulonasMar 14, 20212 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?