Living With Margin

“Annual income twenty pounds, annual expenditure nineteen pounds nineteen and six, result happiness. Annual income twenty pounds, annual expenditure twenty pounds nought and six, result misery.” – Charles Dickens In an earlier blog post, I identified a growing financial margin as one of my personal indicators of stellar financial performance. In simple terms, margin is […]

Make This A Bull Year

Every day, tourists and New York residents alike flock to the financial district in downtown Manhattan to view the “Charging Bull” – an iconic symbol of American capitalism. My daily work commute runs through this part of town and I am always intrigued by the number of people who stop by, regardless of time of […]


I’m reminded of the series of ads by MasterCard themed Priceless. The closing statement at the end of each ad begins with this pithy phrase “there are some things money can’t buy.” So true and worth keeping in mind so we do not become cynics. In the words of Oscar Wilde, “a cynic is a […]

Get Creative – Do It Yourself

As a homeowner, I have over time grown more and more comfortable with Do-It-Yourself (DIY) projects. I have handled a number of projects, some repeatedly – assembling furniture, replacing a leaking faucet, gardening, etc. I am not a very handy person but  I am learning to hold my own and occasionally take pride in my workmanship. […]

Celebrate the Small Victories

“Success is achieved in inches not miles.” – John C. Maxwell Financial success is a marathon, not a sprint. String together enough simple, wise money decisions and you’ll ultimately breast the tape of success. … You passed on that impulse purchase. Kudos! … You made all your credit card payments on time this month. Nicely […]

How do you measure financial progress?

I was having a casual conversation with my wife this week when the subject turned to our family’s finances. As we mused about how we are doing financially, I pointed out we are in a better place than last year. To me, that’s progress. Are you making progress in the financial arena? Two of my favorite measures of […]

Have you checked your credit report lately?

When was the last time you read through your credit report? As you may know, you can gain free access to your credit reports from Experian, Equifax and Transunion once every year via .  A couple of weeks back, I went online to check my credit report. Prior to that, I hadn’t accessed my […]