Tallying the cost of mental accounting
We go about our financial lives doing things that don't make a lot of sense through a purely rational lens. One of these common quirks called "mental accounting" is where we separate our money into different piles and we don't treat every dollar the same way. Most people would treat a $100 bill they found on the ground differently than $100 they earned on their paycheck or if one of their investments went up by that same $100. We act almost as if money has a memory and each d
Get out of a Rut - Break and Redesign Habits
Many of our day-to-day spending decisions happen without conscious thought or planning. Use a vacation or other pause in your routine to assess where you are in life and map out what you want to accomplish. Step away from the daily grind and the unconscious habits that form over time to bring fresh awareness and choice back in the picture. On my recent trip out of the country, I read Habit Stacking: 127 Small Changes to Improve Your Health, Wealth, and Happiness by S.J. Scott
Procrastination & How it can cost you
It's been awhile since we've posted. Part of that is spring travel schedules, and other personal / professional responsibilities, but part of it has to do with procrastination. Even though we haven't posted, it doesn't mean personal finances have been put aside! Today's topic is about procrastination. Molley Triffin wrote an interesting piece regarding the cost of procrastination. In our FiClub seminars we touch upon habits. We discuss various barriers to creating 'healthy
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