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eFinPLAN Blog

Here you'll find no-nonsense advice to help you understand and manage every one of your pennies - from how to budget yourself out of debt to tips for selecting the right kind of insurance. We write every word ourselves so you'll know that the information you read here is accurate and practical!

12 Common Financial Mistakes to Avoid

Categories: Wills

Most common financial mistakes and roadblocks that hamper financial success Doing that will help you obtain the right kind of information you need in order to stay on top all the time. The excessive exercises and bodybuilding require much energy, Vardenafil is the best erection pill, though too small for side effects occurrence. They could… Read More »

Part 3: How to Follow and Stay on Budget

Categories: Wills

    Prior articles discussed 1.) Why you should have a budget  2.) What is a budget and how to get started. This article discusses how to follow a budget each month. Most people easily grasp the first two articles, but few people actually follow or stay on budget. For people who really need a budget but ultimately fail… Read More »

Introducing the New eFinPLAN Website!

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Categories: Wills

The eFinPLAN online financial planning Web site is entirely new this autumn! We are very excited about all the new things we are bringing you. This has been an almost 12-month project, and we are extremely pleased to make everything better for you. Here are some of the highlights: State-of-Art Web Design—More modern and easier to navigate,… Read More »

What to do with Extra Paychecks

Categories: Wills

Many people are paid every two weeks, so August may be one of the two months this year you will get an additional paycheck. If you are married and your spouse works outside of the home and paid the same way, then that may mean 2 extra paychecks this month.  However, if you don’t plan, this money will… Read More »

Should You Buy Gold?

Categories: Wills

The most commonly asked question I get is, should I buy gold or some other precious metal like silver or platinum? The main reasons for driving interest in gold, are advertisements, the increased price of gold, and fear. There are a lot of commercials on TV and the radio, from companies that want to sell… Read More »

The Low Hormone Rip-Off

Categories: Wills

Radio and Television is awash with silly advertisements aimed at anyone in their 40’s or older, to get you to buy supplements to counter the affect of lower hormones as we age.  The ads ask if you are fatigued, depressed, low sex drive, gaining weight or generally have a feeling of malaise. These ads appeal to… Read More »

Best and Worst Fitness Values

Investing in physical fitness is smart, being in better health not only means feeling better, and having less stress, it saves money on doctors bills. Healthier people not only get fewer colds and flu, they have less disease and falling accidents. They spend less on prescriptions, and save time going to the doctor and pharmacy…. Read More »

Low Cost Smartphone Alternatives

Categories: Wills

Good article in the Wall Street Journal about some good alternatives to the expensive full featured smartphones.  Those on an extremely tight budget may want to avoid these all together, and stick with a regular phone to save themselves high monthly data usage bills, unless they really need one for business. The monthly savings could… Read More »

Annual Cost of Gasoline

Categories: Wills

With gasoline hitting or exceeding $4 per gallon in many parts of the country, it is important to consider your annual cost of gas when purchasing a new or used car. In 2009 gas was less than $2 per gallon, and it seems that we have gotten used to the current costs. With the price… Read More »

Costco Cost Savings and Warnings

Categories: Wills

Big Box retailers like Sam’s Club and Costco can sometimes save you a lot of money, but if you aren’t careful you can end up spending more money than you planned to. I suspect most people do go over budget at these places. We are avid coupon clippers and deal shoppers, and often our receipt… Read More »

How I Shop for Tires

Categories: Wills

Are you thinking about buying new tires before the hard winter weather hits?  Have you looked at them lately, do they look bald?  The old rule of thumb is to stick a penny in the tread and if the tread doesn’t go above Abe’s head then it is time, even if close you are ready. Tires… Read More »

Large Lawn Mower Expense Avoided

Categories: Wills

A couple of weeks ago my 1998 42″ Craftsman Lawn Tractor model # 917.271021 with a 15.5 hp Kohler engine, decided to empty its transmission fluid on my back yard. The transmission case somehow got a crack in it, and it is too old and costly to replace. I was not happy with the thought… Read More »

Device Saves Car Repair Expense

Does the little check engine light on your dashboard light up?  It may be telling you vital information about your car, that if not attended to right away could result in a significant repair. On the other hand it may indicate something really simple such as a loose gas cap. How do you normally tell… Read More »

Budgeting for the Weekend

Categories: Wills

Weekends are the hardest on our family’s budgets. We are really good throughout the work week at not going over our entertainment budget. We take lunches, stay away from stores and other places of temptation. When we go online, it’s more for work than play. Come the weekend, sometimes the celebratory feeling hits, and we… Read More »

Personal Computer: Buy New or Repair?

Categories: Budget, Spend

You might wonder why an article about computer purchasing at a financial planning website. However, in the last 30 years your personal budget for electronic, such as laptops, smart phones, tablets and e-readers has probably expanded a lot; good decision-making is important.

Estate Planning for Your Digital Footprint

Estate planning attorneys are encouraging people to address digital property The death of old-school estate planning began with the advent of the internet. When people pass on today, they leave behind a digital landscape of property that is difficulty to deal with. It used to be your executor, attorney or trustee would compile all of… Read More »

Is I.D. Theft Insurance Essential?

I.D. theft insurance has been a big topic of discussion lately, since the Anthem cyber attack exposed nearly 100 million American’s personal information Here’s a review of how I.D. theft insurance works, other things you can do to protect yourself, and what to do if you are a victim of financial cyber-fraud. The American population is… Read More »

How to Save Money with Lower Gas Prices in 2015

Categories: Automotive, Budget

Gasoline has dropped about $1.50 a gallon According to AAA the national average price of gas is $2.17 (1/9/15) per gallon, for regular. Gas Buddy reports that the highest average price in 2014 was about 3.70 in April. This $1.53  per gallon drop can mean a few extra thousand dollars in your pocket this year. These… Read More »

2015 IRA and Retirement Plan Contribution Limits

Categories: Retire, Taxes

The Internal Revenue Service (IRS) published the updated new rules for contributions into retirement plans and IRAs for 2015. Some of these numbers have increased, and are good for you to know if you participate in IRAs (individual retirement accounts) or retirement plans like 401(k)s, sponsored by employers. The most an individual can contribute to… Read More »

How to Budget Easily with Mint.com

How to Use Mint To Create and Follow a Budget Preface: There are three basic tools to design a budget and to track spending. You can use an Excel spreadsheet, a free online app like Mint, or one you purchase like YouNeedaBudget.com, also known as YNAB. Many people ask me should if they should use Mint… Read More »

Financial News and Articles from the Web – Dec

Important and Interesting Financial News and Articles from the Web – Dec New homes built with solar panels, trend to help reduce energy costs SEC MLM warning; says to be aware of internet fraudulent multi-level marketing schemes 16 Rules for Investors to Live By – The Wall Street Journal 16 Rules for Investors to Live By Need a… Read More »

5 Common Investment Myths

Categories: Invest

Don’t be Fooled by These Common Myths A myth is something that most people believe, but after careful analysis of the facts, it’s not found to be always true. The investment world has several myths, or things that most people believe as conventional wisdom. 5 of the most common investment myths are: Myth # 1: Missing the 10… Read More »