Dec
20
Unexpected expenses are, hands down, usually the biggest budget breakers out there. (An unexpected expense is anything that you did not foresee or plan for in your budget.) A clinical look at all cash flow for three full months, including all income and expenses, is one of the first exercises...
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Nov
20
Why are some of us natural savers, while others are spenders? In a way, it's a matter of perspective. The main difference is that savers take in the big picture, while spenders only see things as they are, or as they appear to be at that moment in time. We...
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Aug
15
A lot of people are under the impression that having a budget, or being able to create a budget, is all they need in order to get ahead of their finances. In reality, this is not the case for most of us. People fail with their finances because money is...
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Jun
20
A lot of us have the pre-conceived notion that the more money we make, the better off we will be. This is so engrained in us, we assume this cause and effect will be automatic and guaranteed. In reality, this is an illusion, albeit a very powerful one, that people...
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May
17
In this time of historically low interest rates, you would think people must be paying off their mortgages at lightning speed. Why? When interest rates are low, less money from each payment goes towards paying interest and more money is applied against the principal of the loan. This means homes...
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Mar
22
It feels rewarding to help your children. When your adult children ask for help, they can, no doubt, be difficult to refuse. It might seem natural that you would or should help them reach certain financial goals, but when they approach you for money, you need to be careful. Obviously,...
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Feb
23
I was told recently about a successful lawyer who wanted to write a book called Broke on Any Budget. He selected this title because, he was broke as a law student; broke as a junior lawyer, and even after he made partner in his law firm, he was still broke....
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Jan
16
According to Yahoo News, the first Friday the 13th of each year is officially “Blame Someone Else Day.” First started by Anne Moeller of Clio, Michigan in 1982, it’s said that Anne's alarm clock did not go off, and she overslept. As a result, she was late for appointments all...
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Dec
20
Money may not be the root of all evil, but overspending can cause a whole lot of disagreement in a marriage. It’s assumed and fair to say that the less money a couple makes, the more arguments there are likely to be. If there is shopaholic in the relationship though,...
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Nov
16
There are a lot of commercials out there which attempt to position certain products and services as a substitute for discipline. Offering “fast and easy” solutions, companies will wrap your debt into a line of credit, negotiate a lower balance on your credit cards for you and help to reduce...
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