PT Money Philip Taylor
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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

6 Important Reasons To Avoid Store-Branded Credit Cards

One of my very first jobs was selling retail at a store in the mall. Working usually helps your finances, but that job was one of the causes of my issues with debt. It’s hard to resist buying new things when you spend the workday surrounded by advertising and sales displays. Self-control becomes even more […]

Barclaycard CashForward World MasterCard $100 Bonus Review

Barclay is not a name synonymous with American households.  If not for being in the business of personal finance, I would only have seen it mentioned in advertisements every 15 seconds watching a premier league match on NBC.  But over he last few years, Barclaycard has been making a major push in the US credit […]

12 New FinTech Companies Helping to Change the Way You Manage Your Money

FinCon16 gave us the second annual FinTech competition, the first ever early-stage business competition dedicated to technology products and solutions for the consumer-facing personal finance and investing verticals. The competition was presented in partnership with SoFi, who chose this year’s winner Kavout, to participate in their Entrepreneur Program. Though there could be only one winner, […]

45 Christmas Gift Ideas Under $25 (They’ll Absolutely Love)

We’re back with our Christmas list again for 2016. We’ve updated the list with five more gift suggestions. Are you looking for a few Christmas gift ideas to help complete your list? Well, you’ve come to the right place. Every Christmas season I wait too long and end up having trouble deciding what gifts to […]

How to Engineer an Easier Early Retirement Using a Relocation Strategy

This is a guest post from Pauline of InvestmentZen.com. Pauline left the 9 to 5 seven years ago to live life on her own terms, and is currently based in sunny Guatemala. This is the view I have in the background as I write this post. Nice, isn’t it?  No, I am not on holiday. This […]

The Envelope System On Steroids (Powerful Truth About Cash)

“We buy everything with cash” – said no successful CEO ever. Forget the envelope system. I’m talking about a system which all Fortune 500 companies understand. Money is money, no matter if we are talking business or personal finances. As a result, we should apply the same system Fortune 500 companies use to our personal finances to […]

Best Online Deal Sites to Help You Maximize Your Savings

The other day I was watching the show Extreme Couponing on TLC. I was amazed at the time and commitment these individuals had for their craft. With the chaotic schedules most of us live, how is it possible to devote that much time and energy into saving money? Isn’t there an easier way other than […]

Masters of Money (Your Chance to Hear Real Money Conversations)

I get it. It can be hard to have conversations about money with our friends, family, and even your spouse. Money is still a major taboo in our culture. Maybe the last taboo? But talking about money openly and honestly has led to huge financial success for me. When I started being more interested in […]

HSA vs FSA: Which is Better? [Comparison Chart Included]

Here’s the thing: In light of past health care discussions on my blog and the fact that benefit re-enrollment period is up us, I thought I’d address a couple of tax-advantaged medical savings accounts: the Health Savings Account and the Flexible Spending Account. Ready for a HSA vs FSA showdown? Strap in! Who am I […]

Best Online Training Sites to Get an Education and Grow [Video]

The internet continues to offer new and expanded opportunities for people all over the world. Over the past decade, there have been many advances that allow us to use the internet to become better educated. There are a number a platforms, often referred to as massive open online courses, that allow users to learn new […]

Medishare Review (2017 Update): The Affordable Alternative to Obamacare

Update (2017 Plan): Our experience with Medishare is still very positive. Higher out of pocket expenses (given our $10,000 annual household portion, aka deductible), but significant savings on monthly premiums (our monthly share is $235 for our family of five). Given the recent rise in premiums through the Obamacare exchanges, I know we’re continuing to […]

7 Solid Online Alternatives to Paying Hefty Cable Bills

When people are looking for ways to save money, one of the first suggestions they usually come across is to “cut cable.” The cost of traditional cable or satellite television continues to rise. Eliminating this monthly bill can have a considerable impact on your finances. However, you will probably still want to enjoy watching some […]