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!

The Whys and Hows of Budgeting

Categories: Budget

In this article I will answer these important cash flow planning questions: Why don’t people budget? Why should people want to budget? What will happen if they do? How to get started easily? Why don’t people budget? It is because you (don’t fear, we have tips below to help you overcome your resistance): Don’t want to: You know it… Read More »

How To Opt Out of Credit Card Offers

Does your mail box fill up with offers from credit card companies? Sometimes they will mail you checks and pre-approved credit cards. It is annoying, and its also a waste of time to go through them. You must also shred them to be sure no one steals your identity. Those of you with an ecology or stewardship… Read More »

March Money Madness, Who Wins?

Categories: Budget

And you thought March Madness was only about basketball! March is a mad month for money, particularly this March, because the month is full of extra money but also of extra challenges–more than most months. Jon White tweeted last week about #2 below and it got me thinking. Thank you, Jon, financial coach and blogger… Read More »

Gullible Consumers Buying Bad Products

Categories: Spend

Have you ever bought a product but later discovered it was a piece of junk? Trevor Moore is a comedian that demonstrates how gullible some consumers are. He hocks awful products that he creates that don’t work. His brand Winnovations comes up with all kinds of ridiculous products that people believe in. For example he created a… Read More »

7 Great Articles from the Blogosphere

Categories: Blogroll

There are many great personal finance blogs that publish articles on a vast array of subjects. Check out some of these really informative recent blog posts: Should you trade in or sell your car? From One Money Design 4 Investment alternatives to equities, from Money Smart Life , from Money Talks News Small Business Resources from… Read More »

Have a Great Idea for New Product? Check Out Quirky.com

While watching the Tonight Show the other evening, Jay Leno had a guest on from Quirky.com, a new really cool social invention website to help bring ideas for inventions to fruition. They highlighted some great products that people recently invented. There are all sorts of ways to make additional money, and this one really caught… Read More »

How to Pick a College Major

Categories: College

Are you a youth and planning to go to college? Maybe you are an adult and want to go in a totally different direction in your career. Then there are those that want to stay in the same industry but specialize in a particular area of study. Whichever group you are in, you need to… Read More »

Year End Benchmark Investment Returns

Categories: Invest

A couple of times per year I publish this benchmark return report for investment portfolios.  This is useful for those who use a buy and hold approach to holding their investments, in various common investment allocations of stocks and bonds. I provide this so that you can compare your investment returns to what the market was… Read More »

What To Do If Facing a Possible Foreclosure

The recession officially started December 2007 and ended June of 2009, however many homeowners struggled to stay current on their mortgage before that time, and still do now. Those in the financial industry have been learning how to help people either avoid or survive foreclosure of their home, while at the same time the whole process evolved…. Read More »

Work Tax Deductions, Job Search Deductions and Job Search Help

You are eligible get a tax deduction for some unreimbursed expenses from work, and for those that had expenses looking for work or relocating. While on the latter subject, first I wanted to provide some ideas for those looking for work. If you are unemployed or underemployed and are looking for work, there is help… Read More »