My Money Mess

You Can Economize Yourself Right Out of Business

Chris — Tue, 10 Apr 2012 23:39:51 +0000

This is a pretty familiar scenario. I’ve heard small business owners say it and I’ve heard Fortune 500 CEOs say it and I don’t see the logic in it. “Due to lower revenue/sales, we are taking measures to reduce costs.” Huh? A lot of finance people will say that the companies in this position must … Continue reading →

If I Had Won The Mega Millions

Chris — Mon, 02 Apr 2012 16:33:42 +0000

I figure if I’d been one of the three Mega Millions winners I’d have netted about $50 million in a lump sum after the split and taxes were taken out. For all you math geeks out there I know this isn’t necessarily accurate but since I didn’t win I don’t care. What would I do … Continue reading →

Life…

Chris — Mon, 26 Mar 2012 02:33:57 +0000

Wow. It really has been a long time since I posted anything at all. The tone of this post is going to be a bit different from previous posts. In the past I’ve tried to make my posts informative, even educational. Think I’m going to change that from now on. I’ll still inform and share … Continue reading →

Emergency Funds – How Much is Enough?

Chris — Mon, 25 Jul 2011 22:08:11 +0000

Financial experts and advisers may not agree on much but they all tend to agree on one thing. You need to have an emergency fund. Common advice is to have between three and six months’ worth of expenses in your emergency fund. The question of the day is how much of an emergency fund is … Continue reading →

Tax Day

Chris — Mon, 18 Apr 2011 00:58:50 +0000

Tax Day – the day our income tax filings are due – is tomorrow. Normally I grumble a lot around this time of year about how screwed up this system is. You have to scramble to get all your crap together so you can fill out some paperwork to send to the government about the … Continue reading →

What I’m Up To

Chris — Thu, 14 Apr 2011 16:58:05 +0000

If you’ve followed my blog for any length of time, thank you. If you’ve wondered why I haven’t posted very much recently, I’m going to tell you. Some of this information is necessarily general, but I’ll fill in details as I can. First, it occurred to me when I wrote my recent debt settlement post … Continue reading →

Rebuilding Credit

Chris — Thu, 07 Apr 2011 16:34:36 +0000

If some change in your circumstances such as serious illness, loss of your job, divorce, etc. sends your financial life into a tailspin your credit score is likely to suffer. How much it suffers of course depends on how bad your circumstances get before you get on track. Some things are easier to recover from … Continue reading →

A Debt Settlement Example

Chris — Tue, 29 Mar 2011 17:10:51 +0000

I’m often asked how debt settlement works and whether or not it’s a good way to get out of debt. The answer to the first question is yes. Debt settlement does in fact work. The answer to the second question is that it depends on your financial circumstances. If you’re current on your debts and … Continue reading →

A Little Right and A Little Wrong

Chris — Thu, 24 Mar 2011 01:29:27 +0000

Woohoo a new post! A lot going on for me the last few weeks. Starting a new business. Had a bit of a snafu with my hosting company. If you tried to get to the site and found it was down, I apologize. I’ve switched hosts and everything is stabilized and working correctly. I’m going … Continue reading →

Weekly Roundup

Chris — Mon, 07 Mar 2011 07:48:45 +0000

Another crazy week for me. It’s after 11 PM Sunday and I’m just getting this done. (Though I made a big goof earlier. I started working on it 12 hours ago and when I had to leave to go run errands with my wife I hit publish instead of save draft. So this post was … Continue reading →