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Ms Muse

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Financial Muse
General Finance
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Latest Blog Posts

Side hustles are truly the best way to supplement your 9 to 5 income.  All of us have different financial goals.  But no matter what those goals might be, side hustles will get you there faster. A month ago I was wondering whether you and I could make extra cash with surveys.  Are they true money makers or get rich quick schemes?  What better way to find out then put the hypothesis ...
Posted: Jul 17 2017 @ 11:00 AM
Have you lately walked into Target, Costco, or really any other store with one item on the list?  How many items did you walk out with?  Odds are, more than the one on the list.  As it turns out, this isn’t your fault at all.  You are being tricked into buying more than you actually want! To make things even worse, we are being tricked into buying more things with more ...
Posted: Jul 14 2017 @ 10:41 PM
The personal finance blogosphere appears to have gained some serious traction over the past decade.  Blogs, such as this one, are aiming to help you and all others out there in the internet universe avoid the personal finance pitfalls life has so carefully laid out for us. This help may come in forms of posts about expense tracking and budgeting.  Or about investing in retirement funds at work as well as ...
Posted: Jul 12 2017 @ 10:18 PM
Have you ever gone on vacation or into a weekend with a list of accomplishments all laid out?  I did this past week and, to be completely honest, accomplished close to nothing.  What was the culprit?  TV!  In particular, how much time is wasted on watching TV. The average person watches 15+ hours of TV per week.  And that is regular programming only.  It does not take into account the additional ...
Posted: Jul 10 2017 @ 8:48 PM
Vacations are hands down the best thing in life!  Domestic or international?  It doesn’t matter.  Just being able to scope out a different place, meet new people, and rest up from the day to day grind makes all the difference.  But, there is always a but, travel shouldn’t break the bank.  And thankfully it doesn’t have to. Earlier this year, we made our way to Barcelona and saved $2k while having ...
Posted: Jul 07 2017 @ 11:00 AM
What I dreaded at first, has become quite the quarterly challenge.  Yes, I am talking about tracking my expenses.  A few years ago, I would have never said, thought about, or done anything about it.  But since tracking my expenses for all of 2016 and discovering several eye-opening expense drains, I am now a believer!  Deep down I hope that putting my expenses out there and documenting my progress will ...
Posted: Jul 03 2017 @ 11:00 AM
Many of us have all the right intentions.  Up our retirement contribution percentages.  Build an emergency fund.  Pay down our student loans and credit card debt.  All great things until the expense creep comes knocking. By the time rent, mortgages, groceries, and other bills have been settled, how much money is really left over to bring all those good intentions come to life?  So on we go, hoping to make it ...
Posted: Jun 30 2017 @ 12:42 PM
The path to retirement can be quite confusing.  Especially when no one provides you with a roadmap to follow and you end up having to figure it all out yourself.  Let this definitive guide to retirement savings account types provide you with the know-how to make the best retirement decisions for yourself and your family. 401k vs Roth 401k I have previously written about the 401k and Roth 401k features.  For comparison sake ...
Posted: Jun 28 2017 @ 1:53 PM
Imagine yourself hiking through a forest.  After a few hours, you come to a crossroad.  One way looks straight, easy to maneuver, and sunny to boot.  The other appears to have tons of turns, hills and is looking a bit chilly as well.  Which one will you choose? Straight, easy to maneuver, and sunny, right? Let’s add a few more variables.  The easy path, even though less strenuous, will add three hours ...
Posted: Jun 26 2017 @ 11:00 AM
Most recently,  I pondered all the money and life lessons I would give my younger self.  And you guys echoed the sentiment with life lessons of your own, such as … … letting go and moving on, instead of dwelling – NZ Muse … taking calculated risks and chances – Need2Save When I write a follow-up post in a few years from now, I would like to have nothing to say.  Yes, you ...
Posted: Jun 23 2017 @ 11:00 AM


"This is one of the best, most informative personal finance web sites I've ever seen"

-- Daffy Duck, DaffyIsSoTaffy.com

"This guy clearly knows his shit; with every post, I feel like he's got my back as one of those "savers", and his web site is pretty damn cool, too"

-- Scuba Steve, MyScubaGearIsSoWet.com

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