I'm just a local business and finance nerd looking to help people get educated about small business, marketing, and personal finance! I write about anything and everything that I can tie into those themes. I'm also Central Florida's only Kilted Realtor, so I write about Real Estate too! Check out my About Me page to see the origins of Cash Flow Celt.
Conquering Your Financial Empire
It’s December and that means the holiday season. A season where happiness reigns for a brief moment, and neighbors get along a smidge better. It’s also the season of giving and being thankful for what you have. Just be careful not to give away too much. December is the Identity Theft and Awareness month after all.
In my last article I talked about how to take care of your finances once your identity has been compromised. Knowing how to repair a hole in the ship is all well and good. However, the best way to keep smooth sailing through life is to avoid the hole-making object in the first place! That’s why I would like to share a few tips and tricks to keeping your identity safe. The best way to do that is by maintaining awareness of the crime! Continue reading
Now that the Celtic family are coming back from their trip to Phan for the Thanksgiving week, it’s officially holiday season! I’ve always loved the holidays. I know a lot of people don’t have good childhood memories and I feel bad for them, because my memories have always been great. To those people, I say try something different! Your past does not create your future, try different methods to get different results.
The one thing that can always ruin a holiday – even mine – would be identity theft. December is Identity Theft Awareness and Prevention month, so I figured an article detailing those “oh crap” twilight hours would be helpful for my readers. The holidays are a busy time for most people. This should be a helpful resource to refer back to so you can expedite the recovery process and get back to what really matters. Continue reading
One of the major reasons I started this blog was because my friends asked for it. Many of them asked for it because they were entering, or finishing, law school and were faced with enormous debt loads and were coming to an age where they were becoming classier consumers. Trading in their futons and beanbag chairs for sofas and dining tables. While they sought practical applications for money, what they were really asking for was how to become more financially literate. An important topic for upcoming professionals that need to fund retirement 40 years down the road.
Financial literacy has been an avid passion of mine for many years. Advocating the benefits and small research costs involved is something I do for pleasure. It’s why I got the title of the money guy in my sphere of influence. Much to my chagrin though, financial literacy rates are still garbage in America. I was reminded of this fact while listening to NPR when they had a segment on the topic. While listening, all I could think about was a paper out of Wharton School of Business on the topic (you can read the overview of it here). This paper described the dire state of financial literacy in America and abroad.
Consequently, I thought a paper on the value of financial literacy might be in order. Continue reading
Personal finance is an everyday endeavor. It is present in nearly every decision you make from the time you get up; to the time you go to bed. Ironically, because finances are so ingrained into our daily living it actually becomes harder to do well by your budget. Imagine having to whip out an Excel spreadsheet every time you wanted Starbucks over making coffee at home. Seems ridiculous doesn’t it?
However, just because it’s impractical doesn’t mean we should ignore our finances until the end of the month. Finding the right balance between thrift and fun is just part of the struggle. That said, there are a few “constants” in personal finance. A budget is by far the most important, but you may be surprised at some others. That’s why I wanted to share this article with you all. It’s the six ways you’re ruining your finances without even knowing it! Continue reading
Talk to anyone and they’ll tell you a high score is a good credit score. Press them any further, and they may not have much insight into how else a good credit score benefits you. Essentially, a credit score is an investment grade for people. Just as we rate government and junk bonds, and restrict IRA’s to “investment grade” options, banks and other lenders need a way to tell if lending credit to a person will be a good or bad decision. This decision isn’t a function of how much they’ll make, but rather if they’ll get their money back – a good credit score is a quick signal to them that, you’re worth it to them.
In my last post, I talked about how I got my credit score from 500 to 720. Because I wanted to be extra helpful I even broke down the composition of a good credit score, so I highly encourage any readers to check that out as well. In this post, I wanted to let you all know the great benefits of keeping your credit score up. There are many different advantages and many are not that obvious.