Challenge Your Expenses

Some people think that the only way to save is to make massive spending cuts and others think the best way to save is to make many small changes. We think it’s both. No reason why you can’t analyze and adjust both the large and small expenses. The first thing is to quit spending money […]

Money Saving Ideas

Some people think in order to save money it has to be some BIG amount. Other people think it’s better to save a little bit here and there. We think it’s BOTH. It’s important to save in a big way like a bonus or a raise and it’s also important to save on the little […]

The Benefits of Using Financial Planner: Part 1

Would you give yourself a root canal? Probably not! You may think it’s crazy to pay a financial planner to keep track of your money, but if you don’t have the skill-set and knowledge it may be crazier to do it yourself. A financial planner can save you time and headaches in addition to helping […]

Five Ways to Give Yourself a Raise

If you are like most people, it often seems that the money going out each month exceeds the amount of money coming in. Sometimes even the basic necessities appear to be out of reach. Saving for an emergency fund is impossible. And heaven forbid that someone gets sick or hurt and needs medical care. Today […]

Health Care Sharing Plans – Part 2

To help you decide if a health care sharing plan is right for you and your family, we are going to look at things to think about and questions to ask. Several plans have restrictions on the doctors available to you. If you live in a large metropolitan area, this may not be a problem, […]

Don’t Fool Yourself About Your Finances

Let’s face it, looking at your finances and being totally honest about what you are doing right, what you are doing wrong and what you are not doing at all is not on the top of the to-do list for most people. But if you are not taking a realistic look at your finances, you’ll […]

Cheap vs Frugal—Is There a Difference?

What some people call being frugal, other people call being cheap.  But there is a difference between the two. The dictionary definition of cheap is: not costing a lot of money; of low quality; not worth a lot of money; not willing to share or spend money. The definition of frugal is: careful about spending money; […]

How to Have a Successful Garage Sale

How many of us have garages so full of stuff that the cars remain in the driveway? How many basements are full of boxes containing who knows what? Or even worse, how many of you are paying money to a storage facility because there is no room in your home for all your stuff? In […]

Lifestyle Inflation—How to Avoid it

Lifestyle inflation is accepted as a normal part of life in America. It means each time your salary increases, so does your spending in an effort to achieve some perceived level of lifestyle where you will finally be happy. In fact, you are considered abnormal if you aren’t constantly striving for more bigger and better […]

Retiring? What Will You do With Your 401K?

When you are preparing for retirement there are a ton of financial implications. The biggest one is the amount of money you have available each month to cover your living expenses. Do you need money from savings to supplement that income, and if so, how long will your savings last? An up to date, active […]