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Hi, I'm PT.

This is my money blog.

I'm dedicated to helping you fix your finances and build the life you want.

I'll help you learn the steps you need to take and find the tools you need to use on your way toward financial freedom.

Philip Taylor "PT" CPA, Blogger,
& Entrepreneur
Find the best financial tools available today

Why You Need to Start Building an Emergency Fund Now

I write a lot about the emergency fund (i.e. rainy day fund) on PT Money. It just occurred to me that I hadn’t actually written a post on starting one. I did detail how we put our savings in a high-interest savings account. However, that post could easily be titled “open up your emergency fund […]

The Best Free Credit Score and Monitoring Services

If you’ve ever applied for a loan, credit card, or tried to rent, your credit score and history have most certainly been reviewed. Whether you agree or disagree with the need for credit scores, they’re a financial measure of one’s ability to make payments, and are widely accepted today. Of course, if you pay with […]

How to Budget for Your Unexpected Expenses

Do you know how you will pay for an unexpected expense? According to research by economist Atif Mian and financier Amir Sufi, 40% of Americans could not come up with $2,000 if an unplanned expense arose in the next month. But everyone will experience a surprise bill at some point, whether or not they have […]

Marriott Rewards Premier Credit Card 80,000 Bonus Points Review

Depending on just how old you are, you might remember a time when credit cards didn’t exist.  The world revolved around a cash and carry system, one that didn’t provide rewards or security on purchases.  Once the cash exchanged hands, that was that.  These days however, consumers expect to be rewarded for buying things and […]

Acorns Review: Invest Spare Change Automatically

Knowing how to invest your money ought to be a basic life skill—like changing a tire, budgeting, and cooking for yourself. But the sad truth is that many people are intimidated by investing, and it can feel impossible to fill in this particular skill gap. Thankfully, that’s where the Acorns mobile investing app comes in. […]

8 Tips to Secure Your Marriage (and Money) for Years to Come

It may be difficult to talk to your beloved about money, but it is a non-negotiable if you want a healthy marriage. That’s because money problems are cited as one of the top reasons for divorce, just behind infidelity and communication issues. Don’t let money problems hurt your happy marriage. Here are eight tips you […]

Capital One 360 Bonus – Up to $500 for New Savings Accounts!

(This offer is now expired) Remember when interest rates on savings accounts were comfortably sitting at 5%? Well those days are long gone and if you’re putting money into an online savings account, you have to find creative ways to maximize your return. Lucky for everyone, Capital One 360 is making that task a little […]

The Official PT Money Tax Preparation Checklist

Time to file your taxes if you haven’t already! We’ve still got plenty of time before the last day to file taxes, so you’ve got time to get ready. But even if you want to purposefully wait till the last minute, it doesn’t hurt to start pulling together your information. I still try to follow […]

Investing in Lending Club: What You Need to Know

There’s an excellent reason why Lending Club is currently the largest peer-to-peer lending network, responsible for over $13 billion in loans as of September 2015. Borrowers enjoy better rates than they could find at a bank, and lenders receive returns that could be difficult to replicate with more traditional investments. Specifically, lenders have earned an […]

Where Should You Get Your Taxes Done?

I couldn’t resist this topic as I just received a question from a reader. They were asking where I recommend that people get their taxes completed. Here’s the question: “How do you recommend people get their taxes “done”? Should we go to an accountant, or one of those companies that have the guy dressed as […]

The True Cost to Attend a Super Bowl and Pro Tips Get You There Next Year

I’ve never had the pleasure of attending a Super Bowl, partly because the New York Jets have never been good enough to get there (in my lifetime) and primarily because it can be crazy expensive.   By the time you’ve saved for Super Bowl tickets, you realize the cost of transportation and boarding can blow your budget up. […]

40 Ridiculously Cheap (and Creative) Valentine’s Day Ideas

As a lifelong cheapskate, I have often been bemused by the amount of money people spend to prove to their spouses, children, and families just how much they love them. No time is this more evident than on February 14 of each year, when love advertising goes into overdrive to convince consumers that true love […]