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money

3 Simple Steps to a Better Financial Future

When you read the headlines in the personal finance arena these days, things are pretty bleak. Seventy-six percent of Americans live paycheck to paycheck; 64% of Americans can’t cover a $1000 emergency without using credit/debt; the average American household wastes 24% of their take home pay on consumer debt. Wow! The average American household has […]

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Financial mistake in your favor, what would you do?

Recently, I was grocery shopping and had put a printer ink cartridge onto the conveyor belt. It was in one of those fancy lock boxes that the cashier needs to open at the register. She opened it and put it in the bag. I asked if she had rung it in and she said, “Yup.” […]

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Christmas Choices

Let’s say you are among the top 10% of the income bracket in the United States. Your choices about Christmas may be limitless. Let’s say you are among the 15% of people, considered to be below the poverty level. Your choices about Christmas may be very limited. Let’s say you are among the country’s “Middle […]

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Kids and money

Just swipe it! Oh my goodness.  Have you seen the credit card commercial (I don’t recall which card) where the woman is traveling and she buys her plane tickets by “swiping” her card?  Then she buys something at a store and the cashier asks her if she wants anything else, she’s like “oh, yeah – […]

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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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Customer Service

I’m pretty sure I have written about this before, but I have had a fresh reminder this month. We are looking to get some work done on our house.  We started getting estimates back in August.  One guy came out, almost immediately, the others also came out pretty quickly after contacting them.  However, (of course, […]

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What’s your major?

It’s that time of year again.  Colleges have started.   Some high schools have started, or will be starting soon.  A friend of mine (Charles Gupton, http://charlesgupton.com ) posted the following article on his Facebook page and I thought it was important information and relevant to many of the people I know, so I am posting it […]

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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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