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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
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8 Things You Need for Your Phone to Protect Your Money

Mobile technology has provided all of us with a great deal of tools and information at our fingertips when it comes to managing our finances. This certainly can save time and offer a lot of conveniences we didn’t use to have, but is it safe to manage your finances on a mobile device? In other […]

How Just Talking About Money Can Raise Your Financial Health Score

We’re just not that financially healthy as a Country. 57% of us Americans are struggling financially. Many of us are struggling with debt or poor savings, and living paycheck to paycheck. What if I told you there’s a way out for us all? I had a beer with a new friend yesterday. He asked me […]

The Best Personal Finance Software for Taming Your Budget

Managing your money is a complex skill, especially now that you no longer have to leave the house or even pull out your wallet in order to spend money. That’s why it is more important than ever for you to track spending and stick to a budget. But the old school methods of budgeting can […]

Credible Review: A Marketplace for Student Loan Refinancing

If you’re one of the 40 million Americans carrying student loan debt, refinancing may be a way to reduce your loan costs and ease the debt burden. However, finding a reputable lender can be a stressful endeavor for borrowers, since the student loan refinancing marketplace is still a relatively new one. That’s where Credible comes […]

10 Tips for Healthy Eating on a Budget

Hardly a day goes by without another hysterical news report about the epidemic of obesity and unhealthy eating in America. We all want to be fit and healthy, but for a family on a budget, the high cost of healthy eating can wreak havoc on monthly finances. Part of the problem stems from the fact […]

The Truth About Whole Life Insurance

Editor’s Note: Here’s a special contribution from Chris Huntley of Insurance by Chris. Are you considering buying life insurance in the near future? Before you do, take some time to learn about the differences between term and whole life insurance. Here are PT’s thoughts on the subject. You’ve probably heard financial advisers like Dave Ramsey […]

The Best Personal Loan Sites For Your Credit Score

Personal loans can be a convenient way to get cash to cover a short-term financial hurdle. They are also a popular tool for consolidating and eliminating high interest credit card debt—and their fixed interest rates and payments can certainly save some borrowers money. However, since personal loans are unsecured, just like credit card debt, borrowers […]

How to Ask for (and Get) a Raise

When I was a shy teenager, my grandmother used to tell me “they can’t shoot you for asking” to help remind me that there was no harm in advocating for myself. This advice has been helpful to remember any time I have been nervous about asking for things—especially higher pay. Grandma’s advice is something most […]

Top 9 Reasons You Need a Will

I have been thinking about wills a great deal lately. My husband recently accepted a job in another state, and we took this major life upheaval as a reminder that we should update our will. We had not updated the will to include our second child after he was born, nor appointed a new executor […]

6 Gifts That Actually Help to Launch Graduates

It’s that time of year again. Graduation season is in full swing, and everywhere you look there are top ten lists telling you the best gift you can give the graduate in your life. While it’s always nice to receive presents, particularly when they commemorate the hard work necessary to earn a diploma or a […]

SoFi Review: Loans for Responsible Borrowers

In 2011, four students at the Stanford Graduate School of Business had a novel idea for how to help their fellow Stanford students afford their student loans: What if established Stanford alumni could invest in current students and recent grads by refinancing their student loans? The investors would receive a nice return and feel good […]

5 Tips to Turbocharge Your Credit Card Rewards

Today’s post is sponsored by our friends at Credit Sesame. Credit Sesame is an educational credit and personal finance website that provides consumers with a free credit score, free credit monitoring, and free identity theft protection. Credit card rewards can seem too good to be true. You earn travel rewards and cash back just for spending. […]