Blogger Profile

Lance Cothern

Blog Info

Money Manifesto
General Finance
Frugality/Saving, Earning More/Hustling
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Panama City Beach, Florida, United States
Life stage:
DIK (Dual Income, Kids)
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Latest Blog Posts

Originally, I wrote this post about our plans for how getting married would change our finances. Today, I’d like to share what I originally thought would happen as I wrote a few years ago. At the end of the article, I’ll share what has really happened. Did I correctly predict our future of living with married finances? Find out below! My Original Thoughts On How Getting Married Would Change Our Finances Guess what happened while ...
Posted: Oct 16 2017 @ 6:00 AM
Welcome to the September 2017 edition of the Money Manifesto blogging income report. As with every income report, I hope to inspire you to start increasing your income while keeping myself accountable to my goals. This past year hasn’t been a breakout year for Money Manifesto, but I’m super happy with what I’ve been able to maintain. My life changed drastically when we had our son late last year. The fact that I’ve been ...
Posted: Oct 12 2017 @ 6:00 AM
Halloween is just a few weeks away. I know many people would say Halloween is their favorite holiday. While it isn’t my favorite, I get why some people love Halloween. We’re pretty simple when it comes to Halloween. We don’t have any older kids, so it isn’t a big deal yet. However, some families go all out and spend a ton of money to prepare for Halloween. According to National Retail Federation, last year ...
Posted: Oct 09 2017 @ 6:00 AM
If you’re finally getting serious about fixing your finances, you might be wondering how much money you should be spending on cars for your family. Cars are usually the second largest expense any family will have behind housing costs. But does it have to be that way? Should you be spending more on cars than everything else in your budget? While you can, and some people may choose to, you don’t have to have ...
Posted: Oct 05 2017 @ 6:00 AM
For many people, investing seems risky. However, I think it is risky to not invest. After all, I can’t think of any other legitimate way to save up enough money to eventually retire without investing. People get the wrong idea of investing because their knowledge comes from headlines. When the great recession hit, there were plenty of awful headlines to go around. That said, people don’t seem to remember the good times when headlines aren’t ...
Posted: Sep 28 2017 @ 6:00 AM
Buying a house is overwhelming. You need to prepare your credit for a home purchase. You need to save for a down payment, closing costs and future maintenance expenses. Even after you have all of that done, you need to figure out what type of mortgage to take out. Many people consider FHA mortgages due to the low down payment requirement, while others suggest putting 20 percent down. Is a small down payment on your ...
Posted: Sep 25 2017 @ 6:00 AM
Paying off debt is a great accomplishment, but can be a major drag while you’re still making payments. Thankfully, after you pay your debt off, you’ll no longer be shackled by your past financial mistakes. Each debt payment can seem like a great step forward and a punch in the gut. After all, you’re only making these payments because you dug yourself into debt in the first place. That said, it’s important to remember ...
Posted: Sep 21 2017 @ 6:00 AM
There is one budget that is the most popular of all. I won’t name what it is quite yet because I want to see if you can guess what it is. It is the worst budget of all yet it is the most popular, at least here in America. So let’s get to why it sucks. Unexpected Emergencies Sink You You need a new car tire because you just got a flat, but ...
Posted: Sep 18 2017 @ 6:00 AM
Welcome to the August 2017 edition of the Money Manifesto blogging income report. Each month I share how much money I make online to inspire those who want to earn money online while motivating myself to keep my income at a decent level. In August, I finally started to get my blogging groove back. After our son was born, it was difficult to carve out time to work. Even when I could work, ...
Posted: Sep 14 2017 @ 6:00 AM
Every year my wife and I make a point to max out our Roth IRAs. Why use a Roth IRA when we could use my wife’s 401(k) instead? Because we get to choose where we invest the money and we aren’t limited to her employer’s 401(k) options. If you want to max out your Roth IRA, here’s how we did it and how you can do it, too. How I Max Out My Roth ...
Posted: Sep 11 2017 @ 6:00 AM


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