No Buts… Save for Retirement… NOW

by David@MoneyNing.com · 17 comments

I have credit card debts to pay off, student loans to service, bills to pay and a down payment to save up for. I can’t afford to save for retirement.

Sound familiar? With all these obligations, how the heck are we supposed to start saving for retirement, something that could be decades away?
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Credit Cards are Indeed an Indulgence

by David@MoneyNing.com · 19 comments

The reward points, the 30 day free loan, and the perks are just excuses to keep that piece of plastic. No matter how much control you have, credit cards are a convenience that you pay for.

I used to think that credit cards are disastrous for the irresponsible but benefit the disciplined. I saw those reward points as free money since we could get free merchandise and even cash back. I was wrong, and have been for more than a decade since I was first approved for these little money suckers.

Some of you may disagree, and I probably would have too if I read the same point being made a couple years back. If this is you, consider the following scenarios before you pull out your card next time.
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Saving Money on Childcare

by Guest Contributor · 5 comments

Making ends meet is more difficult than ever. For families that need childcare, the expenses can be overwhelming. Good childcare is expensive, but it’s not like bad childcare to save a few dollars is an option. Finding a solution can involve some creativity, but the good news is that it can be done.
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Credit vs Debit Transactions with Your ATM Card

by David@MoneyNing.com · 30 comments

I handed him my debt card and the cashier asked if I wanted to charge it credit or debit. Is he insane?

A few years ago when I first got my debit card, I was confused whenever a cashier asked me whether I wanted to charge my card using credit or debit. Debit please, I always said, wondering whether those people recognized that it’s actually a bank card. Eventually, I found out that my debit card was capable of transactions through the credit card network as well. It would still draw money from my bank account though, so the only difference seemed to be just signing versus punching my pin.
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Love and Splurging

by David@MoneyNing.com · 15 comments

My children are the best and nothing else suffice. I love them and will do anything to give them what they deserve.

By now, you’ve read so many articles about spending control that you can probably write your own book on the subject. Appreciate the big picture, delay gratification, 30 day rules, and the list goes on.

But what if you aren’t spending money for yourself? How do you control your spending when most of it go towards your loved ones?
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I Am Just the Cliffs Notes for Your Journey to Financial Prosperity

by David@MoneyNing.com · 8 comments

I read these articles all the time and by now, most of the ideas sound familiar. Why am I still starving a few days before my next paycheck is due?

As I sit here pondering about a personal finance topic to write about, I started wondering what will happen if I covered every possible personal finance subject. By then, I would have found the perfect get out of debt plan and shared it with all of you, the key to ensure financial prosperity and the three step (or at the very least, the four step) approach to comfortable retirement.

That’s when it dawned on me. Whether I have yet to write about it or not, these ideas already exists. In fact, I’m pretty sure that responsible personal finance theories have been written, debated, and followed ever since the middle class started being literate.
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