Smart has the brains

Hello Everyone and Happy Friday.  I hope you all had a nice week.  Here on DINKS Finance we usually like to give our readers tips and tricks on how to save money, live on a budget, and accumulate wealth while still enjoying our lives.  However, today is going to be a little bit different. Today we are going outise of our DINKS box.  Today we are taking everything that we have learned about finance, and doing the opposite.  We have searched the web to bring you some new tips and tricks on personal finance.  We are breaking myths, going against the odds, and setting the record straight today here on DINKS Finance.

Check out these great posts from around the web about Breaking all of the Finance Rules:

The Money Pincher  discusses one of the most controversial subjects in budget planning, and one of the biggest expenses in my own personal budget in the post “When Eating Out Saves Money”.  Many people think that eating out is a waste of money but I don’t think so because everyone has to eat.  So what if you could save $5 by cooking at home, what about the 30 minutes it takes to cook the meal and the 15 minutes it takes to do the dishes afterwards.  I would rather spend an extra $5 and save 45 minutes of my time.  I don’t drink alcohol or smoke anything so I don’t see the harm in eating out every once in a while.  However, when eating out becomes a habit it can definitely harm more than it can help our budget.

The Simple Dollar  says that Frugality is not for everyone in the post “Is This Frugal Idea Worth It for Me and My Family?”  I like this post because “Frugal” is such a dirty word.  I feel that I should be wearing Berkinstock sandals and laying on a patch of fresh cut grass when I hear the word Frugal.  Everyone wants to save money, but why? Just because we are told to do so?!  We don’t have to be Frugal and save every dollar we earn, we just have to be financially smart with our money.

Get Rich Slowly  says that playing the lottery is not a waste of money in the post “Reader Story: Winning the Lottery”.  This is a great post about how going against the odds paid off (big time) for one couple. Their lives changed forever because of one single lottery ticket.  So many people think that playing the lottery is a waste of money, well I am sure that this couple would disagree.

Investor Junkie  warns us about financial terminology in the post “There’s No Such Thing as a “Risk Free” Investment”.  Many people want to invest in Term Deposits and Bonds because they feel the market is too volatile and they don’t want to take any risk . Investor Junkie tells us that even Term Deposits and Bonds have some risk, the average investor just might not know about it.

(Photo by angela7dreams)


This entry was posted in Other, Weekly Recap by Kristina Tahnyak. Bookmark the permalink.

Avatar photo About Kristina Tahnyak

Tahnya is a Certified Financial Planner and former Investment Advisor turned marketing and communications professional She holds a degree from Concordia University, is debt free and currently works in the field of digital marketing.

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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