Money Guide Discommercified: Spartan Principles 1. Track Every Dollar In and Out Write it all down—every income source, every spend, no exceptions. Weekly review: spending by category, leaks, and “ghost” subscriptions. Routine: small logs compound awareness; big budgets rot in neglect. 2. Automate Savings and Payments Direct deposit to savings, investments, and bills before spending […]
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Money Hacks Discommercified: The Core Blueprint 1. Automate Good Decisions Direct deposit a percentage of each paycheck to savings or investing before you see it. Schedule bill pay, loan repayment, and recurring transfers. No “oops, I forgot.” Review automation quarterly. Adapt as your life and goals change. Routine beats impulse. 2. Track Every Dollar Log
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Investment Guide Discommercified: The Ground Rules 1. Set Concrete Goals and Time Horizons Write targets that are granular (“Retire at 60 with $2 million,” “Fund college in 8 years,” “Own investment property debtfree by 50”). Assign a date to every goal. Short horizon = safer allocation. Long horizon = more risk/leverage permitted. Tracking progress to
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