Financial Planning


Where’s Your Emergency Fund? 1

Hello Sophisticated Spenders! Please forgive me if I sound like a broken record, But I wouldn’t be a friend if I didn’t ask these questions! Where’s your emergency fund? I’m pretty sure you’ve spent some money on going out to eat, some new clothes, cable, cellphone. But how much have […]


Are you financially where you want to be? 2

Hello Sophisticated Spenders! The end of 2015 is here! This made me wonder… Am I financially where I want to be? Emergency Fund? No! I used a big chunk of my E fund to pay off my car. Best decision ever! Debt? Yes! I NEVER carry credit card debt and […]


Your 2016 Financial Tool Kit 4

Hello Sophisticated Spenders! Let’s get financially fit in 2016! I’ve compiled a list of the tools I’ve used to help me with my finances! Blogs:  I love blogs because I’m a blogger.  Just kidding, I love blogs because bloggers share information-real, raw data.  Heck-we OVERshare information sometimes.  You’re not getting […]

2016 financial toolkit

2015 financial statement

Fill Out Your 2015 Financial Statement

Hello Sophisticated Spenders! It’s time to fill out an annual financial statement! I use Rich Dad’s “Where Am I Today?” Financial Statement but there are hundreds of them out there. I want all of us to keep track of where we are each year. Remember if you fail to plan […]


My Crazy Schedule and How I Prepared For It

Hello Sophisticated Spenders! Check out my crazy schedule this week! In addition to my full time engineering job, flag football practice and blogging, I will teach 7 classes before heading off to Italy! How I Prepared for the week: Trader Joe’s! I know I will not have the time to […]


Wealthometer: Where Do You Compare?

Hello Sophisticated Spenders! My friend JMoney over at Budgets are Sexy found a cool new tool: The Wealthometer! Here’s how it works: You enter your information. Take a guess at where you fit compared to others. Find out your wealth compared to the rest of the population. Here are my […]


5 Useful Podcasts 1

Top 5 podcasts Hello Sophisticated Spenders! Today’s post is all about podcasts. The ONLY reason I love traffic is because of podcasts.  I also like to listen to podcasts while cleaning, on the phone (only with boring people), before bed and sometimes when I wake up (after listening to traffic […]


Give Yourself A Money Evaluation

Hello Sophisticated Spenders! At work we periodically receive performance evaluations. But when is the last time you’ve given yourself a Financial or Money Evaluation? This week I will be creating a fancy pants evaluation to share with all of my readers (please make sure you are a subscriber so that […]


Why I Don’t Have Insurance on My Cellphone (and Why You Shouldn’t Either) 7

Hello Sophisticated Spenders! I am a terrible person when it comes to electronics.  I’ve lost at least 2 iPhones.  I lost an iPad mini.  And shattered several screens. But I also do something else that’s crazy-I don’t carry cell phone insurance.  Here’s why: 1.  Cost: You will shell out $7-$10 a month […]

sophisticated spender cracked cell phone

Quick Life Insurance Lesson For Singles 2

Hello Sophisticated Spenders! I love having conversations about money. And yesterday I was lucky enough to have a conversation with a group of awesome people. I attended Tiffany The Budgetnista’s Live Richer Tour.  Click here to learn about her free Live Richer Challenge! Dominique Broadway was also there.  She’s a […]