Tag: budgeting

Margin – We all need it

We have all heard the term “margin” used in different situations. Margin of error, how much room do we have to be wrong. Margin of time, when do we have to leave to be there on time, or fashionably late. Profit margin, how much money is someone going to make on their sale. The concept…
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Needs vs. Wants

Jim and I have been through Dave Ramsey’s Financial Peace University, and even helped facilitate one.  I “follow” Dave on social media and often re-post his stuff.  I shared this the other day… I often ask people if what they are thinking of buying is a “want or a need.” If you are doing well,…
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Why is it that some people don’t seem to understand responsible financial management?!

For a while there was a high school math class, Personal Finance, that actually showed you how to manage your money.  Things like how to keep a checkbook, pay your bills, what bills you should have, the estimated cost of things, SAVING money, budgeting, credit cards, are all important things.  Is this not offered anymore? …
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