TFF Consulting

What I did with my $275,000 401(k) rollover – 1500 Days to Freedom1500 Days to Freedom

If you have read personal finance blogs for any amount of time, you know that Vanguard is a great choice. Actively managed funds have a very difficult time beating their low fee, index counterparts that were popularized by Vanguard. Furthermore, the choice of a Vanguard fund is simple as well; the total market fund or VTI (ETF version of VTSAX) is the way to go. Mr. Collins does a nice job of explaining it all, so I’ll Read more…

By tffconsulting.com, ago

A Look at the Average American Budget – and How the Average American Can Start Saving More – The Simple Dollar

The average American household earns $63,784 before taxes, which amounts to bringing home $51,100. From that amount, they spend $9,004 on transportation, $6,602 on food (of which $2,625 is spent at restaurants and $3,977 is spent on food eaten at home), $5,528 on insurance and pensions, $1,604 on clothes, $2,482 on entertainment, $17,148 on housing, $3,631 on health care, $1,834 on cash contributions (donations and legally required spousal and child support), and $3,267 on other Read more…

By tffconsulting.com, ago

How To Change Your Life And Live Your Dream Today – Making Sense Of Cents

Taking control of your finances can help you reach your dream life in many ways. By paying off your debt, making more money, not living paycheck to paycheck, budgeting better, and more, you may feel more free to reach for your dream life because you most likely won’t feel as tied down to your finances. You will feel more free to take risks when your finances are in control and it can really mean a Read more…

By tffconsulting.com, ago

How to Deal With Bad Coworkers | The Art of Manliness

Another way this works is to find at least one thing about that coworker you do like and focus on that rather than the traits that annoy you. Maybe they’re into dogs and you can brag about your pooch to them, or they enjoy craft beer like you do so you can talk about your favorite local watering hole. Find ways to center your conversation on these topics, and perhaps what you disliked about that Read more…

By tffconsulting.com, ago

How to Get More Done: Covey vs. Ford – Early To Rise

According to Covey, that’s a big mistake. If you want to change your life, you first must act on the important but not urgent goals. While it’s tempting to open your inbox and answer those emails, I encourage you to relax, take a deep breathe, realize that those emails will still be there in an hour, and provided they are not a life-or-death situation, will not be any more urgent or important. As difficult as Read more…

By tffconsulting.com, ago

A Simple, Powerful Self-Compassion Method : zen habits

Try this now if you’re feeling stressed, frustrated, in pain, disappointed, angry, anxious, worried, or depressed: 1.  Notice. Take a moment to turn inward and notice your pain in this moment. Now notice where it is in your body, and how it feels. Describe the pain to yourself in physical terms, in terms of quality, in terms of color or shape or motion. 2…. via A Simple, Powerful Self-Compassion Method : zen habits.

By tffconsulting.com, ago

What I Learned from a Week Away from Tech Distractions

I recently visited family in a semi-remote area of Montana. Remote enough that author Max Brooks deems it as one of the only safe zones for people in the zombie apocalypse novel, World War Z. This wasn’t a vacation, though. I did my normal work routine and clocked my normal hours, but they felt different. I felt less stressed, unrushed, and for the first time in a while I could honestly say I was “going Read more…

By tffconsulting.com, ago

Money and Time Are One and the Same (and Seven Other Unusual Personal Finance Ideas I Use in My Life) – The Simple Dollar

Today, I thought I’d share eight of the more unusual ideas I’ve discovered during my experiments with personal finance over the past decade or so. These are ideas that have really hit home for me. They make finances make sense to me as part of my life. I’m sharing them because they might make sense to you, too. I want to stress before we dig in that these aren’t hard and fast financial rules. Each Read more…

By tffconsulting.com, ago

401ks Are Your Friend: Demystifying Personal Finance Part 3 – Frugalwoods

Saving for Retirement (And Why You Should Start ASAP) Once you have your high interest debt under control, as we discussed in Part 2 of the series, it’s time to start thinking about the future. When you’re 24 (or even 34), retirement seems like a ridiculously long time away. And, unless you’re retiring early thanks to some extreme frugal weirdo actions, it is! But even if you’re not planning to retire until a more traditional age than Mrs. FW Read more…

By tffconsulting.com, ago

Stuff it: Millennials nix their parents’ treasures – The Washington Post

Whether becoming empty nesters, downsizing or just finally embracing the decluttering movement, boomers are taking a good close look at the things they have spent their life collecting. Auction houses, consignment stores and thrift shops are flooded with merchandise, much of it made of brown wood. Downsizing experts and professional organizers are comforting parents whose children appear to have lost any sentimental attachment to their adorable baby shoes and family heirloom quilts. via Stuff it: Read more…

By tffconsulting.com, ago