Make Extra Money, Save More Money, Spend Money Wisely

In an effort to make PT Money more user-friendly, I’ve decided to split the site into three main areas. They just happen to be the three areas from my tagline. Basically, a majority of the content on this site (and our personal finances, for that matter) falls into one of three different areas: make extra money, save more money, and spend money wisely.

Make Extra Money, Save More Money, Spend Money WiselyI’m not exactly sure how I’ll implement this new structure, but I do know that it should give readers a bit more clarity about what goes on here. Here’s more about each of these three areas, along with some links from last week that relate to each.

Make Extra Money

I’m a firm believer in continually trying to increase your income. Not simply for the sake of having more, more, more. But so that you can afford the things in life that you value: financial and physical security, charity, etc. On a tactical level, extra money allows you to pay off debt faster, save more money faster, and improve the lives of others by providing employment. This area of my site will include things like: quick money ideas, entrepreneurship, passive income, career, small business, and of course, the Part Time Money podcast.

Save More Money

No matter how much money you make, it won’t have an affect on your future finances unless you can stash some of it away in a separate place. Like Jerry Seinfeld said, “the holding” is the most important part. In my experience, the best way to get ahead (instead of getting by) with your finances is to automate and separate your savings across all areas (i.e. pay yourself first). This area of the site will include things like: retirement savings, short-term saving, emergency savings, college savings, investing, and taxes.

Spend Money Wisely

Finally, I’ll reserve some space on the site for topics that fall under the spending umbrella. If you aren’t making money or saving it, then you’re probably spending it. I’m definitely not anti-spending, I’m anti wasteful spending. I want high value for every dollar I spend. This is a big area that includes budgeting, giving, frugal living, shopping/coupons, credit, debt reduction, insurance, and others.

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Last Edited: July 25, 2017 @ 5:47 pmThe content of is for general information purposes only and does not constitute professional advice. Visitors to should not act upon the content or information without first seeking appropriate professional advice. In accordance with the latest FTC guidelines, we declare that we have a financial relationship with every company mentioned on this site.
About Philip Taylor

Philip Taylor, aka "PT", is a CPA, financial writer, podcaster, FinCon Founder, husband, and father of three. He created PT Money back in 2007 to share his thoughts on money and to meet others passionate about managing their finances. All the content on this blog is original, and created or edited by PT. Read more about Philip Taylor, and be sure to connect with him on Twitter, Facebook, or Google+. Listen to the new podcast, Masters of Money!


  1. A blogger’s never-ending conundrum is how to redesign/structure the blog in order to make it as user-friendly and focused as possible. As I am considering making changes to my main blog, I can empathize.

  2. Love the categories and round-up articles. I might be taking your category ideas for my website 😉 jk. All kidding aside, those three are what make or break your financial success. If you have those down, everything else will fall in line!

  3. I love the division into the 3 major categories — those three (earn, save, spend) were also the first categories I created when I made the navigation bar on my website. They’re the most powerful three money categories because they’re basic, universal, and critical. (Look, 3 reasons!)

    Basic: Earn/save/spend is the backbone of what money is for.
    Universal: Not everyone invests, or buys a home, or carries debt. But EVERYONE earns, saves and spends. (Well, maybe not everyone saves ….)
    Critical: Get any one of these three wrong, and you’ll regret it.