Personal Finance Advice

It’s hard to believe that I have been writing here for the past year. I thank you for visiting these pages and reading my thoughts on money and saving. I hope you have enjoyed what I have had to offer as much as I have enjoyed sharing it with you. Over the past year, I [...]

I recently spent a week at a relative’s house. When she went out shopping or to eat I went with her and I was astounded at the amount of money she left as tips in her wake. This relative has money trouble and constantly complains about her debt and how she cannot save money. I [...]

When I was a boy, tipping in a restaurant was always a discretionary expense. As a general rule, one was expected to tip 15% of the pre-tax bill as long as good service and good food was delivered. I lived in a state with a 5% meals tax so calculating the tip for a good [...]