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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

Here’s the Annual Tax Calendar and the Last Day to File Taxes This Year

No big surprises this year. The last day to file taxes in 2016, for the 2015 tax year, is April 18, 2016. This is a few days later than the normal mid-April date since Washington, D.C., will celebrate Emancipation Day on the 15th. In the past it’s also been pushed back because of the way […]

TickerTags Review: Leveling the Information Playing Field for Investors

One of my favorite money-related movies is the 1983 Eddie Murphy and Dan Aykroyd comedy Trading Places. The second half of the film revolves around Murphy and Aykroyd’s interception of a critical USDA report about the orange crop forecast, and they use this inside information to profit from trades in frozen concentrated orange juice. While much of […]

How to Find Time to Make Extra Money

If part of your strategy to improve your finances includes bringing in some extra money, then you’ve surely asked yourself, “when am I going to find time to do this?” Our lives aren’t getting any easier. We have our regular jobs, our families, our friends, and not to mention all that social network time we […]

20 Unique Business Ideas That You Can Start Today

Small businesses are the backbone of America’s economy, no question about it. The numbers speak for themselves: 29 million = Number of small businesses in the US. 500 million = Number of patents filed annually in the US. 50% = Half of the private sector is employed by small businesses. All it takes is one […]

FamZoo Review: Preparing Your Kids for Real World Finances

I have two kids, aged 5 and 2, who love playing with their piggy banks. At least once a week, they ask for pocket change to deposit, and they are excited to find coins in the sofa or on the ground. But as much as I appreciate the classic money lessons an old school piggy […]

The Best Student Loan Refinancing Options

Student loan debt is a tricky beast. Not only do student loans now account for $1.2 trillion, student debt is currently the second biggest source of personal debt after mortgages. The big difference between a mortgage and a student loan, however, is the fact that refinancing a mortgage is a (relatively) simple and well-known process, […]

Citi® Hilton HHonors™ Visa Signature® Card 40,000 Bonus Review

If you’ve ever stayed at a Hilton hotel, you know that in terms of ambiance and overall experience, it’s a touch above the rest.  I’ve had the pleasure of staying in a few different Hilton hotels over the years (always at someone else’s expense!) and I’m always disappointed that I can’t stay longer.  For anyone […]

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. […]