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 8, 20218 min read
#45 - The 401(k) and the Roth 401(k) Review
The max contribution for the 401(k) and the Roth 401(k) is $19,500 yealry. If you're over 50, you can add $6,500 in catch up contributions.
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David Mulonas
Jan 29, 20212 min read
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 25, 20216 min read
#43 - To Trust or Not to Trust: How to Protect Your Investments and Your Estate
Trusts supersede a will when there is discrepancy. Most attorneys recommend that you have a will and a trust for backup protection.
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David Mulonas
Jan 21, 20212 min read
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, 20212 min read
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 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 1, 20212 min read
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 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.
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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.
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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
Nov 30, 20209 min read
Podcast #35 - How Does Pet Insurance Work and How to Factor it Into Your Budget
Pet insurance cost depends on factors such as your pets age, size, and breed as well as any preexisting conditions.
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David Mulonas
Nov 27, 20204 min read
Podcast #4 - Spend More Money Now To Save Money Later
Budgeting sometimes gets a stigma meaning that you're cheap or frugal. You have to budget within the means of the money that you have.
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David Mulonas
Nov 15, 202016 min read
Podcast #33 - How Long-Term Sustainable Products Reduce Your Budget While Helping the Environment
You can save money down the road by buying quality products, but the difference here is that you will also help the environment
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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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