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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

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. […]

15 Mother’s Day Gifts and Activities that Won’t Blow Your Budget

Mother’s Day will soon be here! The good news is that the nature of Mother’s Day isn’t about buying expensive trinkets or wowing Mom with an over the top production. Mother’s Day is about family and togetherness. These ideas are just a few of the many ways you can show Mom you love her without […]

How to Save 20% of Your Income Consistently Each Year in Your 30s

Today I want to show you how over the ten years of our marriage (my 30th through my 39th year) we’ve saved an average of 20% of our pre-tax income towards retirement. In our worst year, we saved 10%, and in our best, nearly 40%! Not bad, right? 20% just happens to be one of […]

The 8 Best College Degrees for Job Security

In 2005, after working for peanuts for two years at a Boys and Girls Club, I decided to go back to school to become a teacher. Teaching seemed like a great career choice: I loved working with kids and I knew that teaching would provide me with job security for the rest of my career. […]

Take the Frustration Out of Insurance Shopping with PolicyGenius

In the five years that I have been writing about personal finance, I have done quite a bit of research on life insurance and other insurance products. In that time, I’ve concluded that I’d rather do pretty much anything—including cleaning the Indianapolis Motor Speedway with a toothbrush—than shop around for insurance. If you have ever […]