Gratitude Isn’t Just for Thanksgiving

This week of Thanksgiving is a good time to reflect on what we’re grateful for. But gratitude is something we should be practicing all year. Instead of “keep the spirit of Christmas in your hearts all year long”, maybe the saying should be “keep gratitude in your hearts all year long.” In this age of … Continue reading Gratitude Isn’t Just for Thanksgiving

Five Tips to Keep the Holiday Buying Frenzy From Becoming Post Holiday Clutter

Our big spending season is looming just around the corner. According to the National Retail Federation, Americans are expected to spend more than $1,000 per household this holiday season. There are few that don’t love to give as well as get a gift. But before you head off to do your holiday shopping, consider what … Continue reading Five Tips to Keep the Holiday Buying Frenzy From Becoming Post Holiday Clutter

Eight Financial Things to Check Along With Your Smoke Detector Battery

A common bit of advice for the change of seasons and daylight savings time is to check your smoke detector batteries. It’s a good guidepost on the calendar for ensuring you take this important safety precaution. The end of daylight savings is as good a time as any to check up on your financial preparations … Continue reading Eight Financial Things to Check Along With Your Smoke Detector Battery

The Key to Following Through on Your Good Intentions

Do you find it hard to follow through with your intentions? Whether it's sticking to a budget or signing up for your company retirement plan, it's easy to get off track. Everyone is busy, and your good intentions may fall victim to life's frenetic pace. The key to following through with all you want to … Continue reading The Key to Following Through on Your Good Intentions

The #1 Obstacle to a Successful Budget

When I talk to people about setting aside savings or creating a budget, I often hear things like this: "It's pointless. Whatever I save gets used up by some unexpected expense." "Every time I try to live by a budget something comes up that throws the whole thing off." Unexpected expenses can throw a monkey … Continue reading The #1 Obstacle to a Successful Budget

Are You Saving Too Much?

This may seem like a strange question coming from me. As a huge proponent of saving, my usual advice is to save early and save often. Mostly I think there isn't any such thing as saving too much. However, if you have debt, and you are finding it difficult to pay it down while you … Continue reading Are You Saving Too Much?

Why Life Insurance is Not a Good Way to Save for College

Recently a friend asked me about a strategy proposed to her by a financial adviser. The adviser was recommending that she and her husband invest their children's college savings in a life insurance policy. Here were the benefits as given by the adviser: The money grows risk free. It is life insurance the children can … Continue reading Why Life Insurance is Not a Good Way to Save for College

How to Use a Check Register to Take Control of Your Money

I may be dating myself by discussing check registers. In this age of ubiquitous electronic payments, few use checks anymore. Today payments are posted to your account nearly immediately, so what you see online in your account really is what you have. But it still may not be what you can spend. If you haven't … Continue reading How to Use a Check Register to Take Control of Your Money

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