It is almost the first of the month AND it’s a brand new year. We got a raise. It would be easy to say “why worry about a budget – we have plenty” or to add lots of new items to our budget. Instead, I’m determined that we will stick …Find out more
Basic Finances
Chaos Will Affect Your Budget
January 17, 2009
Budget Tips
Keeping records is not as easy as I thought it would be. The theory is simple enough, I just don’t do it. I’ve got all the receipts in one place this month (which is definitely a leap forward), but the amounts are being kept a secret until further notice . …Find out more
One Simple Step to Pay Off Your Mortgage
January 14, 2009
debt and credit
Society has designed the system so that you will be in debt for most of your life – all of it if you plan right. The mortgage industry has developed loans that will allow people to borrow more – which have pushed up the price of houses, requiring people to …Find out more
Confession of Credit Card Misuse
January 8, 2009
Budget Tips
This is my confession. Rebate offers and cash back plans finally won me over and we got a credit card. For a long time, we paid it off every single month, without question. Having the credit card was a blessing (easier to keep up with spending AND the cash back …Find out more
Financial Security is Just a Change Away
January 7, 2009
Financial Freedom
The number one concern that most married couples has is money – and I haven’t met a couple yet that was concerned because they had too much of it. Money (or lack of it) is one of the leading causes of divorce in America today. The overwhelming need for financial …Find out more
Budget During Crisis
January 6, 2009
Budget Tips
There is one way you are sure to never successfully overcome a problem – and that is to try and ignore it. Even if you can bury it for a while, it will find a way to dig itself to freedom. This is especially true with finances. Recently we went …Find out more
Breaking Free From Debt
January 4, 2009
Financial Freedom
There is no good debt. I have heard (and read) many experts say that a good debt is one that increases in value – like a home. The truth is that even those debts are ultimately bad for you and for your future. 1. Debt enslaves. You are forced into …Find out more
Money Controlled My Life
January 3, 2009
Financial Freedom
I think there is a hole in my bank account. Every month my job says the check goes to the bank. The bank statement even shows the deposit. But the balance sure doesn’t reflect the concept that I am earning anything. I’d like to say it’s just “the man” keeping …Find out more