Financial Tools: The Pros & Cons of You Need a Budget (YNAB)

WHAT IS YOU NEED A BUDGET (YNAB)? You Need A Budget (YNAB), which launched in September 2004, is a popular budgeting application that aims to help users take control of their finances and achieve their financial goals. The app is built around YNAB’s Four Rules designed to change your financial future.  The Four Rules are: […]

Financial Tools: The Pros & Cons of EveryDollar

WHAT IS EVERYDOLLAR? EveryDollar is a zero-based budgeting app that helps users create and stick to a budget. The app, which was created by Ramsey Solutions, is available for both iOS and Android devices and offers a range of features to help users track their income and expenses and stay on top of their finances. […]

Financial Tools: The Pros & Cons of Goodbudget

  WHAT IS GOODBUDGET? Goodbudget is a personal finance management tool that started in 2009 as an experiment by Dayspring Technologies, a San Francisco web and mobile development firm.  Goodbudget uses the envelope budgeting method to help users track their spending and stick to their budget. It is designed to be simple and easy to […]

Get Your Information – for Free!

free information

A recent online experience left me thinking about how we have access to really great free information, resources, and tools. I was receiving many advertisements focused on various mergers and acquisitions courses after purchasing a few books on the topic. As I evaluated one advertisement for a series of online courses on the topic, I […]

Surviving the Grocery Store During Increased Food Prices

grocery store

Are you like the MFF staff and are stunned by the dramatic increase in your grocery bill? Are you thinking twice about buying certain items to fill your cart or basket as you walk through the grocery store? For a variety of reasons – supply chain issues, bad weather, and plain old inflation – we […]

The Cost of Forgetfulness: Rebates and Trial Offers


Your forgetfulness is incredibly lucrative for businesses. With so much for us to remember in our daily lives, it is often easy to forget the little things. There are all kinds of examples of this: canceling a service that you are no longer using, sending in that rebate form for a purchase you made, leaving […]

Hello 2022!


Welcome to 2022! At this time of year, some of say “This is the year, I will (fill in the blank).” These resolutions are created with good intentions, but often don’t quite succeed. Sometimes the resolution is a little overly ambitious and sometimes because we do not see immediate results, we give up.  The MFF […]

What’s Up With the Term “Financial Literacy?”

financial literacy

“Financial Literacy” is a term I struggle with. It’s a term that those who know about money use to talk about money with those that (they think) do not understand how money works. Hearing the term “financial literacy” is basically like fingers on a chalkboard for me – it basically comes across that you do […]

Good-bye 2021, Hello 2022!

end-of-the-year financial check-up

This is the time of year when all kinds of things are happening. It is crazy busy, the holidays come and go in the blink of an eye, and get-togethers and gift-giving are big deals. In addition to the holidays and gift-giving, we are coming up on the end of the year and for many […]

Deferred Maintenance: The Cost That Increases Over Time – and Always Catches Up to You

deferred maintenance

It seemed like a reasonable idea at the time. Maintenance is always a tough pill to swallow. You might immediately think of car or home maintenance. It also carries over to other items such as your electronic devices, appliance cleaning, lawn care, health care, fitness, and many others. Regularly scheduled maintenance is probably the cheapest […]