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Creating a budget
Someone just recently asked me “How do you start creating a budget?” Well, my friend, there are two parts to consider. First is knowing how much you currently spend and the second is planning your...
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Is it IN the Budget, Dear?
Your budget is a living document. That means it SHOULD change from one month to the next. If there is something you want to do in the month of October, plan for it and put it in the budget now. If you...
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What does a budget look like?
A budget is a written plan of how you intend to spend your money over a period of time. Usually, people set up a MONTHLY budget. It doesn’t have to look fancy. It can be a No-Frills simple budget....
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Cash = Choices
Recently my wife’s van got a flat tire. Fortunately it was in the driveway and she wasn’t stranded anywhere. To my dismay, however, I found out that the spare tire was also flat (it went flat some time...
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What is YOUR Money Personality?
If you are married, you’ve probably figured out that your views and habits about money can be at odds with your spouse’s views and habits about money. You have a unique set of life experiences,...
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Managing the “Business” of Home?
We all know that business is very cutthroat. Competition is fierce. It’s been said that most new businesses don’t last more than 5 years before they go under. In recent times, even businesses that have...
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The Gap…
Let me ask you… who is better off… The young couple who makes $85,000 a year or the family of four who bring in about $50,000 a year? Well..with such little information..one would conclude that the...
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What Processes are Working Against you?
I sprayed some Round-up on my driveway to kill some weeds earlier today. They were starting to get really tall to the point where I could see them from down the street. The bottle says “Visible Results...
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$2000 Bucks! YeeeHaaw!
Is this what you sound like when unexpected money comes your way? Maybe just a little? What should you do with a large windfall, like an inheritance, or winnings? My answer to that question is: to...
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Combo Conflict
Picture this married couple… He’s a spender/auto-pilot and She’s a saver/security-seeker. Can you predict based on that the types of money issues that they’re likely to run into throughout their...
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A costly mistake…
A young man (18-22) recently told me about his truck purchase.. see if you can find the lesson in his words. He writes: “ive been looking for a new truck… had my eyes on an 05 ram 1500 4 door short bed...
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Walking in Agreement
Imagine a couple taking a walk down the beach. You’ve seen them… walking side by side…talking with each other. They started at the same place… and the ended at the same place. When you walk together...
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When Your Income is IRREGULAR…
Having a budget is essential to your financial life. Sure it takes some practice and you may need to make adjustments until you get it right, but eventually you will. Now if your income is fixed, then...
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When You’re Away from Your Spouse…
There are times when you have to be apart from your spouse for a little while. Your employer might send you to a training class or you might have to attend a seminar somewhere else in the country....
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The Spender in You…
Everybody needs to spend money. To participate in the exchange of currency for goods or services is one of the great joys of life. Some folks, however, derive greater joy from spending then others....
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Did You Spend too Much for Christmas?
My wife and mother-in-law recently went shopping for Black Friday. Having already preselected the deals they were going to get…they executed their shopping trip and bought just about everything they...
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“You use coupons?… You MUST be POOR!”
Imagine that you are waiting in line at the grocery store and the person in front of you hands the cashier a fistful of coupons. You might think “UH!, of all the lines I could pick from I chose THIS...
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Is it THAT time ALREADY?
We just received our notification that it’s time to schedule our annual maintenance on the water softener system. Ever year, this costs our family around $150 – $250 out of pocket. I’d LIKE to say that...
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Budgeting the 80-10-10 way
There’s a new fad diet out there called the 80-10-10 diet. This refers to the amount of calories you intake and what percentages of each type of calories you need. According to the 80-10-10 diet, you...
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When you Blow the Budget…
Perhaps one of the biggest examples of not budgeting correctly can be seen in Altamonte Springs, Fl. This building is called the “Majesty” building and it serves as a reminder to all that if you start...
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The Joy of Saving for your Vacation.
My wife and I have never been on a cruise. We know many people who have been on several cruises in their lifetime and they have enjoyed them very much. I think it would be great to take a vacation and...
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Overextended much?
Lately I’ve found myself a bit overextended. I’ve started too many projects and I’m finding it difficult to juggle them all and keep them all going. Each website I’ve created requires a considerable...
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The “Debt” Problem – and a Strong Message
I’ve been doing a lot of reading lately about the current financial situation our country faces. The Debt Ceiling, our rising national debt, unemployment rates, and more all are very important issues...
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A Great Time to Set New Goals
2013 is not to far off. It’s that time when everyone sets their New Year’s Resolutions and set’s forth to achieve them. Usually, a New Year’s Resolution centers around starting a new healthy habit or...
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How to Give “Bad Financial News” to Your Spouse
Last year, one Friday afternoon, I received a notice in the mail from my mortgage company. It basically said that my payment was about to go from $770 to $1600 effective immediately. After the shock...
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Why do Credit Cards Cost More than Bank Loans? [Podcast]
Suppose I have an $8000 credit card and an $8000 bank loan. They both have the same interest rate of 14.4% AND they both have the same payment of $220. You would think that these two loans would get...
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Financial Infidelity in Marriage
Raise your hand if you’ve ever been guilty of FINANCIAL INFIDELITY… do you see mine up? YEP. In some form or fashion, we’ve ALL done it. Here’s the deal.. Financial Infidelity shows up in BIG ways.....
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Husband, Your Wife Needs Financial Stability.
Gentlemen, please permit me to explore a touchy subject. It has to do with your wife and her job. In terms of providing for the family, I put that responsibility solely on the man in the relationship....
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