Blog Posts

May 17

Consolidation and the Never Ending Mortgage

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... read more →
Mar 22

Adult Children and Money: Not Too Old to Learn New Tricks

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,... read more →
Feb 23

This Thing Called Normal

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.... read more →
Jan 16

Blame Someone Else Day

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... read more →
Dec 20

The “Shopaholic” Spouse

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,... read more →
Nov 16

Exercises for financial discipline

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... read more →
Oct 25

Put off procrastinating (You’ll be glad you did)

Having a retirement plan is great. It’s a good thing to have absolute clarity and know what you need to do to secure your retirement. It’s another thing to take action and follow through on what needs to get done to make it happen. We all know that procrastination makes... read more →
Sep 14

Be Decisive or Beware!

It’s one thing to save for your retirement. Saving the right amount is another thing altogether. There isn’t a worse feeling than getting to retirement and knowing that you don’t have enough. In order to save, our personal cash flow needs to be in the green at the end of... read more →
Aug 15

What’s in a Goal?

It’s one thing to set a goal. It’s another thing to set a goal that will make you feel fulfilled and happy. I have seen many clients who aimed for something – to complete a renovation, to buy a new car, new clothes, electronics or to take a swanky vacation but... read more →
Jun 21

Inspirational Mistakes

Look back before you try to move forward: The best way to take control of your financial situation is to learn from your mistakes. This can be frightening – it’s tough to face the music and realize we’ve wasted a lot of money on things we didn’t need – but... read more →