What Is a Sinking Fund? The Key to Smart Budgeting

Sinking Fund

Today I want to share one of our best tactics for sticking to our budget: a sinking fund. This one tip helps us avoid significant spending hits and allows us to avoid racking up credit card debt. The Sinking Fund: Pros and Cons of Sinking Funds With a sinking fund, you set aside a small …

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The Ultimate Guide to Finding the Best Expense Ratio

Expense Ratio

There is a killer on the loose wreaking havoc on retirement and saving accounts around the world. Year after year, a portion of your hard-earned savings are being withdrawn, often without your knowledge. You’ve worked hard, trimmed your budget, picked up a side hustle, automated your investing, and said “No!” to all of the materialistic …

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7 Steps to Save $10,000 in 6 Months

Graphic image with text of how to start an emergency fund

Creating a fully funded emergency fund should be the first step for people trying to achieve financial independence. These days the average American only has about $400 of emergency cash on hand. That’s hardly enough to pay for a month’s worth of food, let alone other basic needs such as housing and utilities. If you …

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21 Financial Goals to Help You Build Wealth in 2023

Couple making a list together after moving in their new house

Over 50% of the people who make New Year’s Resolutions say their goal is to save more money. If this is you, then I hope this list of short-term financial goals will give you some great targets to shoot for!  In this guide, I will give you a quick primer on my personal goal-setting process. …

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The 5 Burners of Personal Finance & Chasing Financial Goals

Person writing down on a spreadsheet while dollar bills and a calculator are spread in his table

There’s an old approach to handling work-life balance called the “Four Burners Theory.” The idea is simple. We all have four burners that we can devote our time, energy, and resources into: But here’s the problem… We all have limited time available to pursue these important aspects of life. We’re stretched thin trying to achieve …

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How to Avoid a Personal Financial Crisis

Graphic image of a man carrying a box that symbolizes financial loss

When it comes to money, most people are fragile, scared, and don’t know what they’re doing. Think about it… My main goal here at PF Geeks is to show you how to manage your finances so that you can accomplish your unique life goals. The nuts and bolts of personal finance are straightforward. Don’t get …

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How to Save Money Like a Boss: 150 Proven Ways to Save Money

Ways to Save Money

We’re all looking for more ways to save money. My guess is, you’re probably 1 of 3 people: Full disclosure, I’m in that third group. No matter where you’re at I want to help. I put together this massive list of 150 ways to save money to help you seriously cut expenses and skyrocket your savings. …

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How to Make a Residual Income: The 18 Best Ideas to Build Wealth

Residual Income Guide

Everyone daydreams of making money in their sleep or creating a life where money drop into your bank account while you’re on a beach somewhere. We’ve all seen the scammy looking marketers in Youtube and Facebook ads. Maybe you stumbled onto some residual income blog in the wee hours of the night searching for a …

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Return on Effort Matrix: Budgeting the Smart Way

Return on Effort

I want to share with you the secret to my budgeting success. It’s less of a tool or trick and more of a framework that will help you make budgeting decisions- a way to approach budgeting that will get you the most results with little effort. This return on effort (ROE) trick will help you …

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9 Great Money Tips for Spender and Saver Marriages

Saver Spender marriages

Everyone has a different financial personality. You’re either a spender or you’re a saver. Maybe you’re genuinely somewhere in between or you have spending habits where you spend and others where you save, but generally… you lean one way or the other. 9 Great Money Tips for Spender and Saver Marriages When it comes to …

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