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07 Jul 2022
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How to Improve Your Credit Score and Save Thousands

How to Improve Your Credit Score and Save Thousands

We previously posted tips on Debt Reduction: Pay Less Interest and More on What You Love and referenced another way to pay less interest – reducing the interest rate lenders require on your debt. This post explains how your credit score is one of the key measures of your financial health and provides tips to improve your credit score and save thousands of dollars. What is a Credit Score? Credit scores provide lenders with a way to determine how risky it is to loan money to you. A lower score means higher risk, and means they must charge more interest…
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05 Jul 2022
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The Most Vital Aspects of Financial Health

The Most Vital Aspects of Financial Health

We hope you all had a safe and happy Fourth of July! Check out this week's Personal Kaizen Motivational quote! We're all very familiar with credit scores and reports. Please enjoy this quote from Erin Lowry, an author, and personal finance expert, as she reminds us of their importance. "Your credit report and credit score are two of the most vital aspects of your financial health."erin lowry Wondering how you can raise your credit score? Our upcoming Personal Kaizen post will share how to improve your credit score and save thousands! Join the Personal Kaizen Community Our community is here…
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29 Jun 2022
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Putting Lazy Money to Work for You

Putting Lazy Money to Work for You

We recently suggested ways to Stop Wasting Your Money with These 8 Simple Tips, a topic related to Rule 7 of the Personal Kaizen 10 Rules for Life. Our final rule shared how inflation destroys the spending power of your money. Money saved in a bank account (or as cash) is losing value every day. Here are reasons for putting lazy money to work for you with some suggested actions you can take today! A Lazy Money Case Study We’ll begin with the story of two young professionals, both with new jobs in January 2017. Bill and Jill both negotiate…
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27 Jun 2022
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The Very Essence of Successful Investing

The Very Essence of Successful Investing

Check out our Personal Kaizen Motivational Monday quote! This week we're sharing a quote from J. Paul Getty, an American-born British petroleum industrialist. He was also the founder of Getty Oil Company. "Buy when everyone else is selling and hold until everyone else is buying. That’s not just a catchy slogan. It’s the very essence of successful investing."J. paul getty Stay tuned for our Personal Kaizen post this week as we will share how to put your money to work. No more lazy money! Join the Personal Kaizen Community Our community is here to support and encourage both personal and…
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22 Jun 2022
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Ways to Stop Wasting Money on Insurance and Warranties

Ways to Stop Wasting Money on Insurance and Warranties

We recently suggested ways to Stop Wasting Your Money with These 8 Simple Tips, a topic related to Rule 7 of the Personal Kaizen 10 Rules for Life. Our third tip was to only purchase insurance and extended warranties when there is a legitimate risk of a loss that you cannot pay for otherwise. Here are more details on ways to stop wasting money on insurance and warranties. Wasting Money on Insurance The purpose of insurance is to protect consumers from losses they cannot pay for otherwise. Liability insurance protects you from large expenses (life, property, healthcare, and lawsuits) that…
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20 Jun 2022
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Find Financial Peace by Living on Less

Find Financial Peace by Living on Less

Check out our Personal Kaizen Motivational Monday quote! Dave Ramsey is a personal finance personality, New York Times best-selling author, and businessman who has practiced living on less for many years. We hope you enjoy this quote where he shares how to find financial peace! "Financial peace isn't the acquisition of stuff. It's learning to live on less than you make, so you can give money back and have money to invest. You can't win until you do this."dave ramsey Our upcoming Personal Kaizen post will share a wealth of knowledge about various insurance and warranties and how to stop…
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15 Jun 2022
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Debt Reduction: Pay Less Interest and More on What You Love

Debt Reduction: Pay Less Interest and More on What You Love

We recently suggested ways to Stop Wasting Your Money with These 8 Simple Tips, a topic related to Rule 7 of the Personal Kaizen 10 Rules for Life. Our fifth tip to stop wasting money suggests avoiding paying interest whenever possible – a challenge for most of us since over 75% of American adults have some form of debt. Here are common forms of personal debt and some ways to pay less on interest. America’s Debt Problem Americans like to borrow money. The total debt balance in the country continues to grow every year. Interest payments on this debt will…
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13 Jun 2022
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Using Money as a Powerful Tool

Using Money as a Powerful Tool

Check out our Personal Kaizen Motivational Monday quote! This week we're sharing a quote from the renowned novelist-philosopher, Ayn Rand. She believes money is only a tool that has the ability to take you wherever you wish. "Money is only a tool. It will take you wherever you wish, but it will not replace you as the driver."ayn rand Stay tuned for our Personal Kaizen post this week where we will share how to reduce debt. This will include how to spend less on interest and more on what you love! Join the Personal Kaizen Community Our community is here…
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08 Jun 2022
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Stop Wasting Your Money With These 8 Simple Tips!

Stop Wasting Your Money With These 8 Simple Tips!

Rule 7 of the Personal Kaizen 10 Rules for Life is to be rich, spend money on what you love. We suggest spending money extravagantly in areas of joy and cutting your costs elsewhere. With a recent increase in inflation around the world, we want to help you stop wasting your money with these 8 simple tips! 1.    Overspending and Overbuying Decide on several things you value spending your money on and avoid overspending on everything else. Be willing to change your values based on where you are in your life. For example, when our kids were young, we prioritized…
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06 Jun 2022
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Making the Best Use of Time and Money

Making the Best Use of Time and Money

Check out our Personal Kaizen Motivational Monday quote! Please enjoy this quote by Ben Franklin, encouraging us to make the best use of both our time and our money. "Waste neither time nor money, but make the best use of both."ben franklin Taking the advice from above, our upcoming Personal Kaizen post will share a handful of tips on how to stop wasting money. Join the Personal Kaizen Community Our community is here to support and encourage both personal and professional continuous improvement, helping you to reach your goals and achieve new heights. We offer regular blog posts and a…
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