Budgeting
Joshua Escalante Troesh, CFP
Build a Budget in 15 Minutes

The importance of budgeting is undeniable, but many don’t do it because it is time consuming and difficult. Learn how to build a basic budget in 15 minutes which meets both your financial needs and goals.

Build a Budget in 15 Minutes
Budgeting
Joshua Escalante Troesh, CFP
Your Budget Shouldn’t Control Your Spending

The debate about whether a budget is a necessity or a waste of time often centers on a fundamentally flawed definition of budgeting. The exercise of budgeting shouldn’t be designed to limit you, but to give you the freedom to spend money in the manner you wish to spend it.

Your Budget Shouldn’t Control Your Spending
Budgeting
Joshua Escalante Troesh, CFP
How to Automate Your Finances

There is a lot of talk in the financial media about the benefits of automating your finances. But what exactly does that mean? And how do you go about doing it? Here’s one simple method of automating your finances which ties your budget in with your pay.

How to Automate Your Finances
Budgeting
Joshua Escalante Troesh, CFP
The 15-Minute Basic Budget

The importance of budgeting is undeniable, but many don’t do it because it is time consuming and difficult. Learn how to build a basic budget in 15 minutes which meets both your financial needs and goals.

The 15-Minute Basic Budget
Budgeting
Joshua Escalante Troesh, CFP
The Hidden Risks of Bill Payment Automation

You hear a lot about automating your bills and putting your finances on auto pilot. But not doing it correctly can cause significant problems in your finances and your life. Here's how to automate with care and protect yourself.

The Hidden Risks of Bill Payment Automation

Identity theft

Why File Income Taxes Early If You Aren’t Getting a Refund

Why File Income Taxes Early If You Aren’t Getting a Refund

Waiting until April to do your taxes could cost you more than you think. Submitting your taxes early isn’t just for those expecting a big refund. Advantages of early filing include easier money management if you owe additional taxes, opportunities for greater deductions, and reducing the risk of identity theft and fraud.

SEC Data Breach a Bigger Deal for Investors than Consumers

SEC Data Breach a Bigger Deal for Investors than Consumers

Consumers shouldn't worry about the most recent SEC security breach, as the information hackers got did not include private personal data. The hack does, however, point out a risk to investors and a special risk future government agency breaches could pose to consumers.

How To Opt Out of Equifax's Arbitration Agreement

How To Opt Out of Equifax's Arbitration Agreement

Equifax's offer to provide one-year of free credit monitoring service comes with an arbitration clause which waives your legal right to sue Equifax. Here is how to opt-out of the arbitration clause and preserve your rights to sue Equifax or join a class-action lawsuit.