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The Simple Dollar, Trent Hamm:  Big Changes, Small Changes, and Disruption

2/21/2020

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The Simple Dollar, Trent Hamm:  Big Changes, Small Changes, and Disruption

One of the more interesting differences of opinion amongst personal finance books and websites is whether or not it makes sense to focus on making a few big changes or a lot of small changes.
Let’s say you make 10 small changes to your life that each save you $1 a day. Over the course of a month, that’s $300 — $1 times 10 things times 30 days in a month.
On the other hand, let’s say you make 3 big changes to your life that each save you $100 a month. Over the course of a month, that’s also $300 — $100 times 3.
Obviously, both approaches are going to save money, but which one is the better approach?
Some will argue for the smaller number of big changes. You’re far better off making a few really high impact changes, goes that argument and this enables you to live your day to day life. The argument here is that it’s not the $5 coffee that’s damaging you, but the $100 cable bill.

Note: The above comes directly from their website.  Click here to read more!



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The Simple Dollar:  12 Enemies of Good Spending Habits

2/5/2020

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The Simple Dollar:  12 Enemies of Good Spending Habits
by Trent Hamm

It’s really easy to have good spending habits if you’re sitting in a comfy chair in your living room reading a book from the library. It’s really easy to have good spending habits if you’re in the midst of a hike in the middle of nowhere. It’s really easy to have good spending habits if you spend the day in the garden.
The problem is that our lives don’t always guide us into those situations all the time. We’re not always in a situation where we’re free of influences that can nudge us away from good spending choices. In fact, much of modern life is full of things that nudge us toward bad spending habits and away from good financial practices.
Here are 12 of these things and how to watch out for them and minimize them in your life.

Note:  The above comes directly from their website.  Click here to read more!
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The Simple Dollar:  Starting College Savings When Your Children are Older

1/28/2020

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The Simple Dollar:  Starting College Savings When Your Children are Older         by Trent Hamm

It’s common sense if you know much at all about investing and personal finance. If you intend to save for your children’s college education, the best thing you can do is start early – as early as possible.
The reason is simple – it’s all about the power of compound interest. When you save money for the future, it earns a return, and if you’re choosing to reinvest those returns, it accelerates.
If you put away $100 at 7% interest, for example, it turns into $107 after a year, but after another year you have $114.49 – you earned $7.49 instead of $7 in that second year. After year three, you have $122.50 – in that third year you earned $8.01 instead of $7.49. It keeps going and going like that, growing year after year – during the eighteenth year, it earns $22.11 on its own, just sitting there.

Note:  The above comes directly from their website.  Click here to read more.
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How to Pay for Addiction Treatment

12/23/2019

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The Simple Dollar: 
How to Pay for Addiction Treatment

by Trent Hamm

"If you or a loved one has faced addiction, you’re not alone. One in seven Americans will face substance addiction in their lives, according to USA Today. However, only 10% of those people will ever receive treatment.

Addiction is caused by a variety of factors, including genetics, psychological problems, the type of drug, and trauma, among other things. It can build slowly over time and become a chemical craving for the substance.

​One of the major barriers to treatment is cost. According to recovery.org, inpatient treatment can cost between $2,000 and $25,000 for a 30-day program. Outpatient treatment can range from free to $10,000, and detox can range from $300 to $800 a day."

Note:  The above comes directly from their website.  Click here to read more of this article.



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Trent Hamm:  A Recipe for Holiday Success!

12/19/2019

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The Simple Dollar:  Trent Hamm: 
A Recipe for Holiday Success.


Don’t worry about the “perfect meal.” Just make a good meal that people will like and don’t sweat perfection.
Don’t worry about the “perfect gift.” Just get them something they’ll like, then spend some time with them catching up and really listening to them.
Don’t worry about the “perfect decor.” Just make it pleasant and fill it with people.
Don’t worry about the “perfect photo.” The one you’ll treasure is one that was captured on the fly anyway.
Instead, Give a little attention. Give a little time. Give a little focus. Give a little thought. That stuff is the stuff that lasts, not a gift that won’t be remembered in a month or an over-the-top meal that will be forgotten in a week.
Never forget that you can’t buy love, you can only make it. You can’t buy special moments, you can only make them. They come from you, not from your wallet.
Dump your stress at the door. Make a simple meal so you can spend time with people. Don’t spend a ton or stress a lot about a gift, just get something simple that they’ll like.

Don’t lose the meaning of all of this.



Note:  The above comes directly from their website.  Click here to read the full article!
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    Bruce Kletke

    Parents have a daunting job of raising their children.  Ideas posted here are an effort to provide our parents with resources in support of their responsibilities.  
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