How far above or below water are you financially?
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...Read More
Using Cushion and an Emergency Fund for Financial Stability
You hear a lot of discussion these days about emergency funds, and with good reason. The recent pandemic really hit people hard and not having adequate savings can...Read More
Covid-19 Punched us in the Mouth – Now What?
How did we get Here? About a month ago our lives were seemingly normal. Going to work, talking with friends, seeing family, and going to stores and restaurants was part...Read More
Paycheck Protection Program – keep your pay going!
Overview The goal of the Paycheck Protection Program (PPP) is to keep workers employed during the Covid-19 national emergency pandemic. This program provides loan...Read More
Emergency Financial Steps in a Crisis
A national emergency such as the Covid-19 pandemic or a deep recession requires you to take emergency financial steps to protect you and your family. This post is...Read More
The Logical Way to Buy Equities Lower and Sell Higher
Trying to time the market is a losing game Some people spend their entire investing lives trying to time the market in an attempt to buy at the low and sell at the...Read More
Welcome To SmartMoneyToolBox
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!
