Posted in Life

Money Taboos We Should Break

Money Taboos We Should Break
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Stop doing stupid things to sabotage your finances.

I can’t put it any more clearly. We can start becoming less uninformed, aka dumb, by breaking some of the taboos that surround the topic of money and finance.

Talk

It has been, in the past, considered taboo to talk about money.

We need to correct this now. The more we talk about money, and what does or does not work for us, the better for everybody.

And I, for one, would’ve appreciated people talking about money in high school. It would’ve been nice to learn about budgeting, saving, and earning instead of the Pythagorean theorem. I wonder how many bankruptcies could’ve been avoided if this had been implemented.

Cost

It has been considered in poor taste or vulgar to ask someone how much they paid for something.

I think that’s ridiculous because how are we supposed to know what a good deal is or if we’re getting ripped off if we don’t know what the normal baseline price is? So, when he asks, tell Tom how much that new lawnmower cost. What does it really matter? If they come asking you for money, just say no.

With this being said, I do not agree with telling people your salary or income information. That is nobody’s business but your own. Yes, I can make up my own rules. America is a democracy, but my house is a dictatorship run by me. Just ask my kids.

Marriage

Okay, ladies and men, please pay attention here. Luckily for us, it is no longer 1952 or even 1989. You don’t have to ask your husband to open a checking account, credit card, or for his input on any financial decision.

And, men, you don’t have to tell your wife about every little thing you buy nor do you have to hand your paycheck over.

I’m going to get in trouble for this comment, but all marriages work differently. You are not required to share financial accounts just because you are married. You are still entitled to your own independence and your own wealth.

My husband and I choose to share expenses, but stay out of each other’s personal accounts. It works for us. It doesn’t mean it would work for everybody. I’m well aware that marriage is an extremely complicated situation and needs to be personally built around each situation.


I cannot go back and yell at the teachers from 1993 to 1997 about not teaching me in high school what I should’ve been taught, but I can break the cycle by teaching my children about finances.

If we fix this now, the next generation will be more prepared to deal with the financial world.


Posted in Uncategorized

Three Apps That Changed My Life

My name is Kylie, and I have a problem. I’m addicted to iPhone apps. I browse the App Store every single day and download at least one or two apps. That means I have tried a whole lot of apps! I tend to gravitate toward the productivity and finance apps the most. However, I do love a good photo app too!

The other day, my son asked me which one of my million apps that I liked the best. After reflecting on this for a very long time, I narrowed my favorite apps down to the following three.

1. Digit – for a small fee, the Digit app will set aside change and save money for you. All you have to do is sign up and link your bank account and let the money pile up. A few weeks later after installing the app, check the app and you’ll be surprised to see a new chunk of savings that feels like it came from nowhere! I love, love this app. (digit.co/r/-J4tyASmH?ab)

2. Tody – I didn’t spell that wrong. My house would be a pigsty without the help with this app. It comes pre-filled with chores but you can add custom ones to fit your specific household needs. It has a meter for each chore. Green means it was done/cleaned recently, yellow means that it needs attention and red means that $&@t is dirty! This app is invaluable to a person like me who functions only with the help of list (another addiction of mine). You can find this app in your play store.

3. Long game – This one is also a savings app but it has games that are scratch off and lotto like that allow you to win money that goes into a savings account set up for you. You can set up these accounts for specific items or goals for your future. So basically, you are playing games to save money instead of playing games to lose money! I have not thrown any money away on lottery since getting this app.(refer.longgame.co/?h=kylie_AT6B8ETIYM6)

I hope these apps help readers like the apps have helped me. I will talk about the one’s that have taken all my money and ruined my budget at a later date.