A while back I had an interesting conversation with a neighbor about all the unnecessary spending and expenses people tend to have today. Many weren’t around years ago. It’s the type of convenience spending such as the exterminator service. Everyone is doing it, you sign up and then 6 months later you’re asking yourself why you’re [...]
Tuesday, August 10, 2010
There are plenty of people out there that don’t make a lot of money and have trouble covering basic expenses each month. Unfortunately, many of them are underpaid in their professions, but they have important jobs. I know this situation well since my wife used to be a kindergarten teacher and often had less income [...]
Monday, April 26, 2010
Summer is around the corner and many families are working on plans for summer vacations. Vacation spending, in my mind, can be similar to Christmas spending. If you’re not careful, or haven’t saved in advance, you can end up with a credit card mess to clean up. No body likes a Christmas spending hang-over and [...]
Saturday, November 28, 2009
It’s not uncommon to find both spouses working in todays society. For many this is a choice and for others it’s not a choice. In fact, as a Money Map Coach I’ve met couples who desire to live off of one household income, but can’t because their expenses or debt are too high. At the point [...]
Sunday, November 15, 2009
I can’t tell you how many times the topic of Christmas has come up in family discussions the last few weeks. My wife has reminded me often it’s almost time to set up the Christmas tree (we traditionally do this right after Thanksgiving)! I can’t believe the Christmas season is upon us! I’m so excited, [...]
Tuesday, September 1, 2009
Estimating your budget is no easy task. The budget, after all, is your monthly spending plan or what I like to sometimes consider a monthly project plan to staying on track towards your goals. Uncertainty in your personal spending plan As a project manager, I know that when you start a new project there is [...]
Tuesday, August 18, 2009
Doesn’t it feel great when things are going well financially? Maybe the expenses are being met without much difficulty, you finally have your finances organized and are living on a plan. Goals are starting to get achieved. Unexpected expense BAM! What was that? Yep, it’s that dreadful unexpected, unplanned expense that interrupts your financial peace. [...]
Monday, July 13, 2009
Are you sweating over your finances this summer? If you’re like our family, you’re busy with a lot of recreational activity. Trips to see family and fun in the sun contribute to a full schedule. With all of this activity, its easy to get off -track in managing your money wisely, so make a commitment [...]
Saturday, June 13, 2009
A couple recently called into the Dave Ramsey show with an inspirational story! They paid off $50K in 22 months to become debt free. What’s the secret? 2 steps to get out of debt They created a written budget and put their dollars on paper. If they needed to spend more in an area, they [...]
Friday, June 12, 2009
Medical bills and the debt snow ball In a recent Dave Ramsey show, a gentlemen described a situation in which his daughter has disabilities and is requiring medical treatment. God bless him! This is not uncommon for many families today and can cause a lot of financial stress. Even though his medical bills don’t have [...]
Just as the rich rule the poor, so the borrower is servant to the lender. (Proverbs 22:7 TLB)
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Wednesday, August 11, 2010
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