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Simple Fiscal

Helping Small Businesses Scale

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Declan Wilson

Declan is a personal budgeting nut but when it comes to business finance, he calls on his friend Alex to answer all the questions. Connect with Declan here: https://declanwilson.co/start-here

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10 Things That Affect Your Individual Taxes in the United States

March 26, 2022 by Declan Wilson

Taxes are a part of life that many people would like to avoid. However, individual taxes in the United States affect all citizens and their individual situations. Certain individual taxes can be lowered by taking advantage of certain credits and deductions, while others cannot be changed at all. This blog post will break down 10 …

Read more10 Things That Affect Your Individual Taxes in the United States
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Getting Out of Debt: How to Avoid Bad Debt and Use Debt Wisely To Grow Your Financial Situation

February 24, 2022 by Declan Wilson

Debt is scary, I should know. I woke up on January 1, 2020, to $33,000 worth of medical, personal, and credit card debt. For some people, debt is the bane of their existence. For whatever reason, it keeps coming back and never seems to go away. It holds them back from achieving their financial goals …

Read moreGetting Out of Debt: How to Avoid Bad Debt and Use Debt Wisely To Grow Your Financial Situation
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Should You Rent or Buy a Home? Here’s a Simple Go/No-Go Matrix to Help You Decide

January 22, 2022 by Declan Wilson

I didn’t think the option was possible. In early 2020, I did some quick math in my head and thought there was no way I could afford to buy a home. Instead, I’d be left paying $2,100 in rent for the rest of my life. However, that mindset was quickly shattered as I dug deeper …

Read moreShould You Rent or Buy a Home? Here’s a Simple Go/No-Go Matrix to Help You Decide
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How to Get the Most Out of Your Business Credit Card Rewards Program

August 3, 2021 by Declan Wilson

It seemed almost too good to be true. After all, Uncle Sam is supposed to know everything and everything about your business finances, how could he let an opportunity to pinch a little extra pass by. I called up my accountant friend, Alex. “Alex, how much is my credit card rewards points taxed?” “They aren’t.” …

Read moreHow to Get the Most Out of Your Business Credit Card Rewards Program
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How to Create Your First Personal Budget in 8 Easy Steps: Instructions, Examples, and Apps

July 22, 2021 by Declan Wilson

Have you ever thought about what your life would be like if you could finally create a personal budget? No more stress wondering if you have enough in the bank to cover rent. No more inaccurate guestimations at the check-out line. No more wondering where your money keeps going month after month. In essence, the …

Read moreHow to Create Your First Personal Budget in 8 Easy Steps: Instructions, Examples, and Apps
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The Laws of Nature Have Spoken: Always Have a Rainy Day Fund

July 1, 2021 by Declan Wilson

Expect the unexpected. That might be from a car commercial, it might also be the single most important piece of advice you can drill into the malleable minds of a young adult, fresh off the adolescent conveyor belt. Without getting too sciencey on you, the Universe is hellbent on causing as much chaos as possible. …

Read moreThe Laws of Nature Have Spoken: Always Have a Rainy Day Fund
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The No-Nonsense Guide to Budgeting

June 9, 2021 by Declan Wilson

To many, budgeting is a tedious task of number crunching and filling out spreadsheets. To some, it brings about a sense of existential dread and the sad realization that money never seems to stick around for long.  But budgeting, when you think about it, is nothing more than personal accounting. And accounting is derived from …

Read moreThe No-Nonsense Guide to Budgeting
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How Much Money Should You Charge as a Freelancer?

June 1, 2021 by Declan Wilson

It was my first day of self-employment, I had just walked away from my corporate job a mere hours earlier and found myself on a video call with a potential client who needed a new website. I pitched them my ideas, we discussed deliverables, and settled on a timeline. Then came the question: How much do …

Read moreHow Much Money Should You Charge as a Freelancer?

Is Term Life Insurance Better Than Whole Life Insurance?

May 24, 2021 by Declan Wilson

I have this habit of texting my accountant friend Alex anytime — and I mean anytime — I stumble across a money thing I don’t quite understand. Being that he’s an accountant and a money nerd and my friend, Alex is prompt and knowledgeable in his response (which is my nice way of saying brevity isn’t one of his …

Read moreIs Term Life Insurance Better Than Whole Life Insurance?

Better Your Chances and Start a Mastermind Group

May 15, 2021 by Declan Wilson

There’s no lonelier feeling than telling your friends and family that you aren’t “going back to your desk job” because you’ve decided to go forward with your entrepreneurial plans. “But what about a steady paycheck?” “How will you pay for health insurance?” “Are you sure?” Sure, they were all for you chasing your dream and …

Read moreBetter Your Chances and Start a Mastermind Group
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