I may not be alone in feeling like I’m hemorrhaging money these days. I don’t know about you, but for it often feels that spending ebbs and flows. At the holiday season, and particularly while traveling, it feels like money is draining into a black hole.

I try to be conscience of those times when spending tends to increase so I can try to limit the flow. Though other times I just need to suck it up and make sure I balance things out by spending a bit less than normal later.

For some reason this particularly happens around eating out. I’ll go on fits and spurts where sometimes I’ll end up going out often, and then not as much.

The key to all of this is balance, and doing your best to maintain equilibrium while not stressing about it too much either.

Best wishes in starting out the New Year on a frugal foot to make up for holiday excesses.

Cheers,

Miel

MANAGE YOUR MONEY TOGETHER

Here are some simple guidelines for DINKS to build wealth:

1) Collaborate: Meet regularly to talk about money, set goals together, track and monitor them.

2) Understand and respect your partner. Take time to understand your partners values about money.

3) Watch the numbers. Get a budget, monitor your spending and track your net worth.

4) Max your retirement. Maximize contributions to your tax deferred retirement accounts.

5) Invest in stock. Stocks perform better than bonds or cash.

6) Avoid high interest debt. Credit cards and title loans are financial cancer.

7) Diversify. Don't put all your eggs in one basket.

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