Knowing how to properly manage money is important, yet a good majority of adults don’t have a budget plan. In fact, only 41% of Americans have a budget, meaning that almost 60% of the country doesn’t keep close tabs on their finances. While budgeting may not be the sexiest part of being an adult… Continue Reading

If you’re a regular visitor to OutOfYourRut.com (welcome back!), then you know that the fundamental purpose of this website is to provide great people like you with advice, tips, tactics, strategies, techniques and insights on what you should do — not what you shouldn’t — to strengthen your … Continue Reading

Everyone wants to leave their children a legacy of sorts when they pass on. It's something to be remembered by, whether it’s a favorite tea set, a special hand-made blanket or a trinket that has been handed down from generations. Of course, the biggest legacy (although not the most important or se… Continue Reading

With advances in technology, increased use of mobile devices, and growing demand for convenience, the face of money management is changing. In the past, managing personal and business finances revolved around brick-and-mortar banking institutions, which provided most of the services necessary to man… Continue Reading

Financial issues are some of the most challenging parts of life for many people. This is even more true in a tough economy. Financial difficulties are extremely emotional matters for many people, which adds an extra level of complexity to finding solutions. There are countless sources of financial a… Continue Reading

Many of us have had more than our fill with the banks. High and frequent fees, the lack of a personal relationship, and difficulty getting loans are hardly uncommon with banks. That's true even if you've been a customer of a bank for many years. But there is salvation out there, and you can find it … Continue Reading

Got another one last month, as I opened the highest Georgia Power bill ever. A little flyer fluttered out to remind me how much I could save and how I could avoid surprises by just signing up to their “Utility Budget Billing” plan. Here’s the hook (my power bill sins for the past year): … Continue Reading

Back in July we received a notification from our gas supplier that our rates would increase by 13% effective August 1. Not the 2.something percent that the Bureau of Labor Statistics (BLS) keeps telling us prices are rising by based on the Consumer Price Index (CPI), but several times higher. The tr… Continue Reading

In a world that’s so hyper-focused on technical skills, “getting a good education”, and getting into “the right career”, it’s easy to overlook the critical importance of what we might refer to as “soft skills”. As shaky as things are in the economy and in the job market today, soft s… Continue Reading

A lot of ink and cyberspace is dedicated to finding ways that help you to achieve financial independence. They tell you of ways to cut your credit card interest rates – all the way down to zero – to earn more money on your investments, and how to earn more money in your career. Those are import… Continue Reading