Do You Even Want Work/Life Balance?
Work Life Balance. It is a term that is becoming more and more common, but also less and less defined. What is it and do you want/need it? How do you achieve it? We hope to answer some of these…
Credit Cards- A Way to Get Ahead or What is Holding Us Back Financially?
This article is going to have personal examples, but it does reflect how we feel at Cents of Time. We wanted to put that disclaimer up front. Credit cards. They can be looked at as essential to everyday finance, a…
Dave Ramsey Baby Step #6- Pay off your Mortgage
You are debt free, you have a large savings, you are investing 15% of your income into retirement, and your kids college is being saved for if that is what you chose to do. So what is next? The controversy…
Samsung Gear S3 Stopwatch & Timer App Review- USW Stopwatch (A 3-1 Swiss Army Knife App)
We already have a review of all of the stopwatch and timer apps that are available for the Gear S3. We would argue that USW Stopwatch in particular is the Ultimate stopwatch and timer app for the Gear S3. It…
Dave Ramsey Baby Step #5- Save for Children’s College
If you thought the last baby step was controversial we are only getting started! Now there are many different angles you could take with this baby step, and we are going to try to address them the questions we think…
A Beginners Guide to GTD Step by Step
Getting Things Done as mentioned before has had a huge impact on this website and is the book that showed me how reading can change your life. GTD can be an intimidating system, but you can alter it to your…
2019 Everydollar Review
Since we are focusing on the Dave Ramsey Baby Steps we figured it would be a good time to review his budgeting service Everydollar. We have been using this service for over 2 years now and while we really like…
Getting Things Done Step #5- Do
This is the most rewarding, fun, awesome, exciting, scary, procrastinated, life changing step of the GTD process. How can it be so many things all wrapped up into one? This is where all your pre-work comes into action. You actually…
Dave Ramsey Baby Step #4- Invest 15% of your income to Retirement
Now this is the baby step where a lot of people start to disagree with Dave. Almost everyone agrees starting a savings is a good idea. Nearly everyone agrees that consumer debt is not a good thing (maybe not all…
Getting Things Done Step #4- Review
Capturing is a fun step of Getting Things Done. The next two steps, clarifying and organizing can be stressful because they force you to make decisions and determine next actions. Step 4 which is reviewing, can go either way. The…