PT Money Philip Taylor

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

Betterment Review (2016 Update): Revolutionary Online Investing

Update: This comprehensive review now includes the latest on the revolutionary personal investing service, Betterment. Betterment is investing for the masses. If online brokers like E*Trade were a revolution for the do-it-yourself investor, then Betterment is part two of that revolution.  Their goal: get even more people to invest their money (vs parking it in […]

FreedomPop Review (2016 Update): Truly Free Mobile & Internet Service

Back in the early dark ages of the Internet, when you still had to dial up to get online, I once naively declared that online access should be free, and that I would never pay for Internet. I have eaten those words on a monthly basis for some time now, but I was reminded of […]

Personal Capital: Manage All of Your Financial Accounts in One Place

If you are looking for a one-stop-shop for all of your financial needs, from budgeting software to investment advice, look no further than Personal Capital. This online investment and wealth management platform offers you a comprehensive program for managing every aspect of your money, whether you are just learning how to budget or you are […]

Citi® Hilton HHonors™ Visa Signature® Card 75,000 Bonus Review

(Limited time 75,000 Promo!) 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 […]

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 (In 2016)

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 (in 2016)

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 […]