We have recently added a new tool for the toolbox! This is a personal financial check-up scorecard. By providing some financial highlights you get an instant report of...
Sounds crazy at first when you read this, but I’ll explain. Sometimes we can’t see the forest for the trees As investors we are wired to optimize our...
As mentioned in our Principles section, our Golden rule of personal finance is to live beneath your means. In other words, if on average you are spending less than you...
Do you need a budget? What is the purpose of a budget? Can you get by without one? Why have a budget The main reason for a budget is to decide in advance where your...
Should I Buy Individual Stocks? It’s a common question when deciding to invest in the equity markets. My opinion is that it depends on if you like to gamble and...
Hi, my name is John. I am a CPA who has worked in both public accounting and private industry since my career began in 1990. Building financial security is a marathon - not a sprint. It’s not a get rich quick formula. If you provide the effort, SmartMoneyToolbox will supply the tools!