Financial Freedom
Finding Ways to Survive Tough Times
The economy seems to have a choke hold on many families. It is bad enough that vacations were switched to stay-cations if they weren’t cut altogether. But already many families are looking at how to get creative when the holidays come around because it is likely that budgets will not be any nicer [...]
Dave Ramsey, Hope and a Plan
Dave Ramsey was preaching hope last night on a multi-media town hall meeting. It was inspirational and it was uplifting. Hope is always a good thing and is appropriate for any point in life.
The great thing about him is that Dave Ramsey also teaches action. All the hope in the world is not [...]
Living for the Paycheck
A Change is Coming
The last several years there has been a resurgence of money consciousness. The need to be debt free has started to override the lessons that everything must be gotten now and at all costs. Young families, new families, singles and empty-nesters are all joining the revolution to become debt free.
I heard someone mention [...]
It is All About Money
In this day and age it seems that everything is money, money, money. The only thing people ask about your new job is if you are making more money. The only thing that anyone seems focused on with your new house is how much you paid for it. If you’ve completely relocated, [...]
Debt – How to Dig Your Way to Freedom
For anyone out there who has ever forgotten a payment or found themselves with more debt than their income could pay, you know how aggressive some of these creditors can be. When we found ourselves in deep debt, the calls got rude and insulting.
We were blessed to be able to dig our way out of [...]
More Money Means Less Spending
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 to our [...]
Chaos Will Affect Your Budget
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 .
It’s connected [...]
Confession of Credit Card Misuse
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 program paid [...]
Financial Security is Just a Change Away
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 security seems to [...]