Joseph Evaldi's Blog

Times Might Be Bad, But We are Planning for Future Times With it being Sumer time which is a time to relax and go on vacation. It's that time of year to think about using your money with something fun. Even though right now it may not be easy, but we are planning for future times when things get better. And this can be done any time of year. Rather you are going to Vermont for a skiing trip, backpacking in Europe, or going on that memorable trip to Disney. And the fun things you can do don't even have to be out of town. I'm sure your town has many things going on and if your town is small, maybe you have to travel to the next town. With many things to do for fun, let's talk about what you can do for fun. How do you save for fun? How do you put a fund together for the moments that will last a lifetime? A fund like this takes time to build up and it should be started at anytime. Either it's putting down $5 a paycheck or $50 a paycheck. You want this fund to m...

          Everyday People around the world eat Fast Food. They come home late at night and they are hungry. The natural impulse is to eat Fast Food. Rather it's a McDonalds, a Burger King, Taco Bell, an Arby's or something quick. And with this kind of thinking people are losing their money on a day to day basis. Fast Food is also the growing problem of obesity to. Many people don't want that wait or to cook their food after works. That is why it is easy to do. However, their are benefits of brown bagging it for lunch. What can you do to save money on fast food? 1. Brown Bag or can it for lunch. a can costs $1 compared to McDonalds which might cost $6 to $8 depending on what you get. Maybe more if you are buying for someone. 2. Save that money and then at the end of the week treat yourself to a nice restaurant. Why eat quick when you could have your food in a nice atmosphere. 3. You can limit fast food to 1 or 2 days a week. this w...

I love my coffee as anyone else. I won't deny that I am a big coffee drinker. I go to The Coffee House in Edison, NJ a local coffee shop in town for my coffee. And how can I work or go anywhere else without my coffee. I've spent about $5,000 on coffee in a span of 5 years. I'm a writer and it is an expensive habit. I do enjoy it, but there is alternative ways that I could approach having that coffee in the morning. Many people love there coffee fix including me. They go to Starbucks or Dunkin Donuts or a local coffee shop in town. Many people go for the atmosphere and the coffee. They love working on whatever their doing and having their coffee. However, is there an alternative way we can save money for the sake of our fix. For starters, we can go to the library and make our own coffee when we go. This gives us the opportunity to work in a different environment. This creates a different way of approaching our finances. Also, you can cut down on coffee and get yours...

As everyone knows we are a society in debt. Many of the Americans including me are in debt. We either maxed out our Credit Cards or we are knee high into debt with our Student Loans. How did we become a society that is in debt? First off let me explain how this happens, when we are 18 years old, credit card companies approach us with the idea we can have anything we want with a credit card and they hook us. This is when you go to college. Second, I didn't mention this in the my book  Going Broke: Learning from Financial Mistakes (Money: Learning the Basics Book 1) , but I'm going to mention about how whenever you go to a retail store, no names included, they push you to open a credit card. The customer or person is forced to get a credit card for the purchase. Wherever you go they try to get you to open a credit card and it's bad. Next thing you know, you are $1,000 or more in debt with that card. This is how they get you and I'm not going to include the interes...

I've had a busy year this year and now it is finally quit so I can now touch base with everyone on what is coming out and what I have been working on behind the scenes for products you might want. First of, let me apologize for those comments I made in the Donald Trump posts. I was fueled by his speech and reacted as most people do. I might have said unfair words towards people out of the country. This is not a true statement. There are good people who work hard to get to where they are no matter what background. My only issue is that whoever comes into the country needs to legally do so. Being an American used to mean something and I am aware that America has made many mistakes throughout it's history, but there was a time where you were proud to be an American. You had that feeling. It was a feeling from a different time. Now you don't get that feeling anymore and I can't describe it. People are a lot more ruder where I live. It might be different wherever you...