Author Archives: John Kimball

About John Kimball

Over the past few decades, I have experienced most of these financial issues with both mistakes and successes. I sure wish someone had told me these things when I was first starting out. So many times I have cried out, "I want a do over!" when I learned a new financial lesson or tip. I aim to pass along to you the financial insights I have gained from experience, reading, analysis, and living the financial aspects of managing, saving, investing, and spending your money. I am an analyst with a large organization and happily married with two children on their way to an expensive college, no doubt. I read numerous financial blogs, websites, newsletters, magazines, newspapers, and books to bring you the latest news, insights, tips, and lessons combined with decades of experience.

Spending strategies to avoid paying full price

      1 Comment on Spending strategies to avoid paying full price

While our frugal mind-set reminds us of the basic rule “avoid paying full price”, we need strategies to make it happen.  Thankfully, there are plenty of them for nearly any occasion.  Always look for savings opportunities and cheaper alternatives to full price products and services.  Here is a summary of… Read more »

Save money by not paying full price

      No Comments on Save money by not paying full price

One of the key goals of this blog will be to help you save money by spending wisely.  Spending wisely starts with the basic rule, “Avoid paying full price.”  Following this rule makes nearly any other financial situation easier.  The more money you save when spending, the more you have… Read more »

Save 15-20% Off Your Electricity Bill Without Sacrificing

You may have a choice of which energy company supplies your electricity and if so, you know that comparison shopping pays you in savings.  Many electricity companies have split distribution of electricity from supplying it.  Check your energy bill to see if you have a choice.  If yes, start your… Read more »

Simplifying your finances

      No Comments on Simplifying your finances

Simplifying your finances is often one of the most popular New Year’s resolutions.  Here are some suggestions. Pay as many of your bills as possible with autopay on your credit card to get rewards, thru the biller’s website, or with your bank’s online bill service. Put as many of your savings… Read more »

Start off on the right path to financial security

When you get your first full-time job, you are earning more money than ever before, but there are more demands on your money, too.  In addition to enjoying yourself now that you got away from parents and school, you may have rent, auto payments, student loans, a credit card balance,… Read more »

Dealing with Student Loan Debt

      No Comments on Dealing with Student Loan Debt

You may not have thought much about all those mounting student loans when you were acquiring them, but they eventually become due.  In 2013, the average student loan debt topped $28,000.  The level of student loan debt has now passed credit card debt in America and is only exceeded by… Read more »

Starting Your Financial Future With A New Job

      No Comments on Starting Your Financial Future With A New Job

Let’s start the new blog at the financial beginning.  The period when you graduate from school, are young and single, and are just starting out can be both scary and exhilarating.  It will never be quite like this again, so get off to a good start.  Don’t just wait for… Read more »

Introduction to “The Financial Guide To Life” Personal Finance Blog

Your financial future begins now.  Are you going to let it control you, or are you going to take control of it?  Don’t just let your finances drift along, live from paycheck to paycheck, or wait for a lucky break.  No matter what your financial situation, there are plenty of… Read more »