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All posts by Spencer Powell

Make Money on Your Deep Savings Account with a High Yield Savings Account

Rachael and I are always looking for ways to save money and eliminate waste in our budget.  We’ve worked pretty hard to keep that waste at a minimum, but occasionally, there are places to trim.  Obviously, we are huge proponents of creating and keeping a budget, but at some point, you’ve optimized as best you […]

Trick Yourself Into Getting Better: the “Yes…oh Sh*t” Strategy

Improving yourself is tough.  If you think about, the only way to get better is to push yourself out of your comfort zone.  To be better than you were yesterday, even if its just in a small way. Do you want to get better shooting the basketball?  Practice shooting more shots, shooting faster, shooting with […]

Why Creating and Keeping a Personal Budget Puts You in Control

A lot of people I talk to don’t want to budget.  They feel it’s restricting.  Maybe you feel the same way! I get it.  You want to be able to spend your money on things you want, and maybe even experiences. You work hard day in and day out to make money. Why should you […]

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Why Dieting Doesn’t Work and What To Do About It

When I was fresh out of college, I was so naive.  I told Rachael that I always wanted to workout hard enough to eat whatever I wanted. That lasted for about 6 months…if that! Over the next year or two, regardless of how hard I worked out, I couldn’t keep up with the soda, the […]

How Much of My Paycheck Should I Save?

Everyone always wants to know the magic number to save.  Is it a dollar amount?  Is it a percentage of your income?  The answer?  It depends. There isn’t one magic number for everyone.  How can there be?  Everyone’s situation is different. Everyone’s comfort level is different. Some people feel like they need less money in […]

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2 Quick Tips for Going to the Gym Consistently

Do you struggle getting to the gym on a regular basis? Are you exhausted after a long day at work?  You get home and say, “I’ll go tomorrow.” Maybe you wake up early, look at the clock, and keep hitting snooze until it’s too late and it’s time to get ready for work. If any […]

5 Budgeting Tips from a Dual Income Married Couple with No Kids

Honestly, the budgeting process largely looks the same for singles as it does for couples, but instead of one person’s financial goals and financial issues there are two variations. I want to share tips that have helped Rachael and I since we got married. 1. Put Everything on the Table Before you can even create […]

Personal Budgeting Checklist for the Start of the New Year

The New Year always brings excitement, inspiration, and usually resolutions and goals.  I know this because our gym is now twice as busy this week than it was last week.  Before you get started running down the New Year path already, it’s important to close out your previous year, especially from a financial standpoint.  Here […]

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3 Easy Ways to Avoid Food Pressure

“Want a slice of pizza?”, asks your co-worker at the office. “Here, have a piece of chocolate”, suggests your brother. “Why aren’t you having any beer?”, questions your friend. These are just a few extremely common examples that pop up throughout any given week.  Staying on track with your healthy lifestyle can be challenging enough without […]

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How Should You Adjust Your Personal Budget When You Get a Raise?

I love this question.  I love thinking about what to do with the “extra” money when you get a raise. It can be tempting to start increasing your budget categories right away.  Maybe you feel like you’ve been cutting it close every month on your shopping budget.  If you’re like me, it’s most likely your […]

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