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All posts by Michael Peterson

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  • Articles Posted by Michael Peterson
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Michael Peterson

Mike is the author of “Reality Millionaire: Proven Tips to Retire Rich” and he has been published in a variety of local and national publications including Entrepreneur Magazine, Deseret Morning News, LDS Living Magazine, and Physicians Money Digest. He holds a B.S. in business administration from the University of Phoenix.

  • 7 Lifestyle Hacks That Save Money

    7 Lifestyle Hacks That Save Money

    By Michael Peterson
    In December 30, 2020
    On Money Management
    Comments off
    What does it mean to save money? We all understand the concept: Squirrel away more than you shell out. But fewer of us understand how to do this successfully. When debts are mounting up or your job isn’t paying you what you deserve, it’s easy to fall into the mindset of living paycheck to paycheck – which means there’s no wiggle room for saving. But this doesn’t have to...
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  • The Differences Between Debit Cards and Credit Cards

    The Differences Between Debit Cards and Credit Cards

    By Michael Peterson
    In November 18, 2020
    On Credit Cards, Money Management
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    Every time you make a purchase using plastic, whether at the grocery store, retail outlet, or a gas pump, you are most likely prompted to choose whether you are using a debit or a credit card. Other than the fact that one requires a PIN (your four- to six-digit personal identification number) and the other often requires a signature, you may wonder if it even matters which one you...
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  • Fast and Effective Ways to Pay Down Debt

    Fast and Effective Ways to Pay Down Debt

    By Michael Peterson
    In October 30, 2020
    On Debt Elimination
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    Are you heavy in debt and need to get out from under the burden? Is debt limiting your options in life and you need a way out? Debt has a way of creeping up on all of us, especially when we least expect it. If this has happened to you, and you know it’s time to make a change, these are some simple strategies that can help you make...
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  • How the 50/30/20 Rule Can Keep You on Budget

    How the 50/30/20 Rule Can Keep You on Budget

    By Michael Peterson
    In September 17, 2020
    On Budgeting
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    Ever heard of the “50/30/20 rule?”  This type of spending plan has been around a while, although maybe you’re not familiar with it. But if you find most financial management plans too complex to be helpful, the simple budgeting strategy within the 50/30/20 could be the key that finally unlocks your ability to get on top – and stay on top – of your financial goals. What Is the...
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  • Debt Management: Signs This Is for You

    Debt Management: Signs This Is for You

    By Michael Peterson
    In September 14, 2020
    On Debt Management
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    If you’re in debt in the US, you’re in good company. At the end of 2019, American household debt surged past $14 trillion (yep, that’s TRILLION with a “T”) for the first time. Most of this debt is in the form of mortgages, but credit card debt also hit a record high of $930 billion. But while you can take solace in the fact that you’re not alone, don’t...
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  • Heard of These 4 Credit Card Myths?

    Heard of These 4 Credit Card Myths?

    By Michael Peterson
    In August 28, 2020
    On Credit Cards
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    When it comes to personal finance in the 21st century, credit cards are inarguably one of the most common tools that consumers use. You’d be hard-pressed to find an adult today without one in his or her wallet. But that doesn’t mean that we all completely understand the implications of these important pieces of plastic. Let’s take a moment to dispel four common misconceptions about credit cards. MYTH 1....
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  • Is It Okay To Pay Just The Minimum On Credit Card Debt?

    Is It Okay To Pay Just The Minimum On Credit Card Debt?

    By Michael Peterson
    In August 22, 2020
    On Credit Card Debt
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    Whether your financial goals are as simple as building a small emergency fund or as complex as savings and investments for retirement, few things can derail your plan faster than debt. That is why most experts and financial planners suggest prioritizing debt repayment first, before many other goals, and recommend paying down that debt as fast as possible.  But not all debt is created equal, and a good debt...
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  • I Missed a Credit Card Payment… So What?

    I Missed a Credit Card Payment… So What?

    By Michael Peterson
    In July 26, 2020
    On Credit Card Debt
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    We talk a lot about paying your credit card bills on time. Why?  Because it’s REALLY important when taking control of your financial life. By knowing when your bills are due and getting into the habit of paying them by the deadline, you’ll reduce your stress. You can also save money, boost your credit score, and position yourself for lower-interest credit in the future.  Those positive reinforcements should be...
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  • Consolidating Your Debt? Here’s What NOT to Do

    Consolidating Your Debt? Here’s What NOT to Do

    By Michael Peterson
    In July 19, 2020
    On Debt Management
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    Every month, you face a mound of credit card and bank statements (or your inbox fills up with them, and you have to write a separate check (or perform an individual internet transfer) for each of them. All the while, you feel like you’re no closer to zeroing out your balance on any of those debts. To get out of this frustrating and time-consuming loop, many people opt for...
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  • Do You Have SMART Goals for Your Debt?

    Do You Have SMART Goals for Your Debt?

    By Michael Peterson
    In June 22, 2020
    On Debt Elimination, Debt Help
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    We talk a lot about credit card debt because it’s so pervasive in our society. In fact, the Federal Reserve estimates that the average American household carries $5,700 in credit card debt. And their prognosis is worse for those who can’t pay off their balances in full each month – those borrowers shoulder an average outstanding credit card debt of $9,333. If you fall into this second category, it’s...
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