PFT #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.
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David Mulonas
Apr 22, 20212 min read
PFT #19 - Personal Finance Tip: How to Save on Your Gardening Budget
A 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.
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David Mulonas
Apr 14, 20212 min read
PFT #18 - Creating Disposable Income in the Budget When You Buy a New Product
Successful personal finance managers have discipline and put in the work to buy quality productand create disposable income.
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David Mulonas
Apr 8, 20212 min read
PFT #17 - How Receipt Tracking Can Help the Budget and Save the Environment
What is good advice when managing store receipts from retailers? Some policies will give full credit, while others provide a store credit.
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David Mulonas
Mar 31, 20212 min read
PFT #16 - Personal Finance Tip: Increase Savings in the Grocery Budget by Watching Unit Pricing
Saving money on familair products with a quality mindset is a winning formula to create disposable income to control debt and build savings.
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David Mulonas
Mar 24, 20212 min read
PFT #15 -Personal Finance Tip: Checking Your Credit Report and the Impact on Your Budget
You can also go to annualcreditreport.com and get a free copy of your credit report every 12 months from each credit reporting company.
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David Mulonas
Mar 17, 20212 min read
PFT #14 - Reconiling the Budget When Removing Products and Services
The lesson learned here is to complete the budget tasks on a monthly basis otherwise you may be paying for things that you are unaware of.
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David Mulonas
Mar 14, 20212 min read
#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?
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David Mulonas
Mar 3, 20213 min read
PFT #12 -Personal Finance Tip: How Shopping For Medical Procedures Can Save Money on the Budget
I had a surgery estimated to cost $10,000 and after my research was complete, I switched to a new medical facility and saved $9,000.
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David Mulonas
Feb 25, 20212 min read
PFT #11 - Personal Finance Tip: Buying Used Tires Online Can Be 50% Cheaper for Your Budget
Replacing tires can cost anywhere from $500 - $1,000 depending on the brand, tire rating, size and other factors. So that's expensive.
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David Mulonas
Feb 18, 20212 min read
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 11, 20212 min read
PFT #9 - Personal Finance Tip: 40% of the Grocery Budget is Wasted
The Bureau of Labor Statistics says the average household spends more than $7,700 per year and can be the highest cost in the budget.
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David Mulonas
Feb 3, 20212 min read
PFT #8 - Personal Finance Tip of the Week: Realized Capital Gains and Losses From Stock Ownership
For most assets the capital gain tax rates that are held for less than a year, are treated as ordinary income as if you earned a paycheck
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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 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 6, 20212 min read
PFT #4 - Personal Finance Tip: What is Private Mortgage Insurance (PMI) and How to Get Rid of it
PMI occurs when you do not have at least 20% of equity or 80% loan-to-value when you purchase the home.
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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 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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