Suze Orman's the only one I watch/listen to. I don't agree with everything she says, but I do agree with the majority of it. I steer clear of Dave Ramsey because I'm not religious. I've never heard of the people mentioned above.
Oh I would have to say Dave Ramsey for me! I have been following him for awhile now, and I love how he relates and really tries to help others get out of debt too!
I just had a card cancelled yesterday. It was a BMO Mosaic Airmiles card. I had had it for over 13 years. I used it all the time. Every single month I put thousands on it, and spent thousands. It usually had a balance, but not always (maybe 8 or 9 of 12 months kept a balance). Paid $300 a year for travel insurance, and extra airmiles.
Even when it had a balance, I'd go grocery shopping, use the card, then stop by the bank and put the cash on the card to cover the groceries.
I went to use it, and BAM. Declined. When I called them they said it was my 'co-borrowers' credit. I had hubby check his scores right away after work, thinking maybe someone stole his identity or something. His credit was GOOD, same as always.
When I first added him to my card as a "Supplemental Cardholder", NOT as a co-borrower (not sure where they got that from, he'd signed nothing in 2005 when I got him a card), he had no credit, a bankruptcy all kinds of crap on there.
As of yesterday (the day they cancelled my card), we both have very good credit.
The only explanation I can think of is that we were getting way too many miles for them. Hundreds every month. And because of the type of card, the flights we got were 25% off. We only ever used the airmiles for flights.
I can only assume that the interest we did pay on the account was not worth all the benefits we were getting from it.
They suggested I go into BMO and get myself a line of credit from them.
Cracks me up really. I'm done with them. I will be taking my savings account out of their bank too.
It would have been much easier for them to just take him off the account, if that was indeed the real problem.
Michelle Singletary and the wisdom of her Big Mama can't be beat for real, practical advice. The book was titled 7 Money Mantras for a Richer Life when it was first published in 2004. She also writes a column for the Washington Post.
Tomato juice works the best to deskunk a dog. It doesn't take much and the smell is completely gone in an hour. Just douse them with the tomato juice, leave it on them for awhile (we left it on for about 15 minutes but you can leave it on longer if you want) then hose them off, give a good scrub with some pet shampoo and rinse. It's done and gone. Don't waste the coke! LOL
Where do charitable thrift stores fit in? There is a charitable thrift store chain near my home that benefits struggling single mothers. They typically have a good selection and pretty cheap prices.
- Mr. Money Moustache
- Garth Turner
- Canadian Couch Potato
Mr. Money Moustache: A breath of fresh air who's telling it like it is and should be. Too much consumerism going on and we're ruining our futures and the planet by spending in foolish ways. He doesn't take crap from sissy debt whiners either--tells them to get their act together.
Greater Fool: The lone wolf out there who seems to be the only one telling the truth about Canadian real estate and the whole social Ponzi scheme built around it. Once every few weeks he offers crumbs of financial advice which, if you've followed exactly what he's said over the past two years, you are have made a hug pile of money. (Thanks, Garth!)
Canadian Couch Potato: For advising the most logical (and really the only sane) strategy the average investor should take. Bonus points for the sample portfolios because it really showed me what one should look like. He always keeps the John Bogle style level-headed and balanced approach no matter what the markets are doing. ...And I need this reminder.
95% of the rest of the blogs are people who are in debt yet think they're qualified to give financial advice. Most of them are sissies when it comes to actually owning up to their debt and getting out of it. (i.e., the only reason they really have a blog in the first place is to try and make a side hustle out it.) ...Or they tell you crazy things like how to make your own toothpaste.
Liz Weston is my all-around go-to guru. She's a member of the real world, i.e., a person who understands that credit cards are not evil but most be approached with extreme sanity and a person who knows that sometimes (stuff) just happens and it takes time to dig your way out. She's not a mouthpiece for banks, retailers or any other industry and she advocates a balanced approach to life.
I walk at least 10,000 steps per day, am following a paleo lifestyle, and I work with my horses and dogs and take care of a farm by myself every day. Basically i never sit down.
I've always been partial to Liz Weston. I like her books, which I've been reading for, idk, maybe 10 years? I've also read Dave Ramsey, though by the time I found him I was past the point of needing much of his advice, as I'd already gotten out of debt.
These are some very helpful suggestions that I will begin to try out tonight! Happy Dreams! :)
Suze Orman's the only one I watch/listen to. I don't agree with everything she says, but I do agree with the majority of it. I steer clear of Dave Ramsey because I'm not religious. I've never heard of the people mentioned above.
Oh I would have to say Dave Ramsey for me! I have been following him for awhile now, and I love how he relates and really tries to help others get out of debt too!
I just had a card cancelled yesterday. It was a BMO Mosaic Airmiles card. I had had it for over 13 years. I used it all the time. Every single month I put thousands on it, and spent thousands. It usually had a balance, but not always (maybe 8 or 9 of 12 months kept a balance). Paid $300 a year for travel insurance, and extra airmiles.
Even when it had a balance, I'd go grocery shopping, use the card, then stop by the bank and put the cash on the card to cover the groceries.
I went to use it, and BAM. Declined. When I called them they said it was my 'co-borrowers' credit. I had hubby check his scores right away after work, thinking maybe someone stole his identity or something. His credit was GOOD, same as always.
When I first added him to my card as a "Supplemental Cardholder", NOT as a co-borrower (not sure where they got that from, he'd signed nothing in 2005 when I got him a card), he had no credit, a bankruptcy all kinds of crap on there.
As of yesterday (the day they cancelled my card), we both have very good credit.
The only explanation I can think of is that we were getting way too many miles for them. Hundreds every month. And because of the type of card, the flights we got were 25% off. We only ever used the airmiles for flights.
I can only assume that the interest we did pay on the account was not worth all the benefits we were getting from it.
They suggested I go into BMO and get myself a line of credit from them.
Cracks me up really. I'm done with them. I will be taking my savings account out of their bank too.
It would have been much easier for them to just take him off the account, if that was indeed the real problem.
Pinyo Bhulipongsanon from Moolanomy. He's extremely helpful and detailed in explaining the many techniques of financial planning.
Ha! Great comment. I wouldn't give up on the 20s though. Denial is a powerful potion. Actually, I should have included that too!
My son Ryan Munson @ Edward Jones !
Jean Chatzky tells it like it is
Great list here but to be on the safe side I'm going to hire a CPA since I made a big profit this year.
Michelle Singletary and the wisdom of her Big Mama can't be beat for real, practical advice. The book was titled 7 Money Mantras for a Richer Life when it was first published in 2004. She also writes a column for the Washington Post.
Dave Ramsey...don't spend what you don't have! Simple as that.
John Bogle is the guru for investing. Wade Pfau is the guru for retirement goals. Suze Orman is the guru for financial fun.
Tomato juice works the best to deskunk a dog. It doesn't take much and the smell is completely gone in an hour. Just douse them with the tomato juice, leave it on them for awhile (we left it on for about 15 minutes but you can leave it on longer if you want) then hose them off, give a good scrub with some pet shampoo and rinse. It's done and gone. Don't waste the coke! LOL
Wow, I don't have a personal finance guru. I guess I'd better look into this!
I'm a fan of Suze Orman b/c she keeps it real! I would be scared to ask her something right now though, but at least I know I can if I wanted to!
Where do charitable thrift stores fit in? There is a charitable thrift store chain near my home that benefits struggling single mothers. They typically have a good selection and pretty cheap prices.
Dave Ramsey, Mary Hunt, Suze Orman, and Clark Howard.
In order:
- Mr. Money Moustache
- Garth Turner
- Canadian Couch Potato
Mr. Money Moustache: A breath of fresh air who's telling it like it is and should be. Too much consumerism going on and we're ruining our futures and the planet by spending in foolish ways. He doesn't take crap from sissy debt whiners either--tells them to get their act together.
Greater Fool: The lone wolf out there who seems to be the only one telling the truth about Canadian real estate and the whole social Ponzi scheme built around it. Once every few weeks he offers crumbs of financial advice which, if you've followed exactly what he's said over the past two years, you are have made a hug pile of money. (Thanks, Garth!)
Canadian Couch Potato: For advising the most logical (and really the only sane) strategy the average investor should take. Bonus points for the sample portfolios because it really showed me what one should look like. He always keeps the John Bogle style level-headed and balanced approach no matter what the markets are doing. ...And I need this reminder.
95% of the rest of the blogs are people who are in debt yet think they're qualified to give financial advice. Most of them are sissies when it comes to actually owning up to their debt and getting out of it. (i.e., the only reason they really have a blog in the first place is to try and make a side hustle out it.) ...Or they tell you crazy things like how to make your own toothpaste.
I like you on Facebook (but not that way).
Tweeted this:
https://twitter.com/DLFreedman/status/387640272521158656
Liz Weston is my all-around go-to guru. She's a member of the real world, i.e., a person who understands that credit cards are not evil but most be approached with extreme sanity and a person who knows that sometimes (stuff) just happens and it takes time to dig your way out. She's not a mouthpiece for banks, retailers or any other industry and she advocates a balanced approach to life.
Love David Ramsey
I walk at least 10,000 steps per day, am following a paleo lifestyle, and I work with my horses and dogs and take care of a farm by myself every day. Basically i never sit down.
I've always been partial to Liz Weston. I like her books, which I've been reading for, idk, maybe 10 years? I've also read Dave Ramsey, though by the time I found him I was past the point of needing much of his advice, as I'd already gotten out of debt.
Common Sense with Money. They help me match coupons to sales to save the most money!