Just about everyone who budgets makes mistakes from time to time. If anyone disagrees, they’re either fibbing, or they simply haven’t made that first mistake yet. But I promise that eventually, it will happen. For example, when my husband and I were first married, we accidently entered one of our paychecks twice. I’m sure you […]

Many people spend more money during November and December than they do other months of the year. That can really wreak havoc on their finances. The silly thing is, we all know those higher spend months are coming. After all, Thanksgiving and Christmas occur at the same time each year. Still, it’s not always easy […]

I always find that as the new year approaches, it’s a time for reflection. Apparently, Facebook agrees, because as the year closes, they post a summary that reflects some of the year’s highlights. Of course, once January rolls around, it’s also a time for new beginnings. New exercise programs, diets, and other goals are often […]

When my husband and I first got married we wanted what many other couples dream of – to own our own home. But we were still in college at the time, and money was tight.

Whenever you’re trying to rid yourself of debt, and stick to a strict budget, denying yourself can get old. In fact, if you don’t treat yourself once in a while you’re probably going to blow it big time. The problem with blowing it is that you could sabotage everything you’ve been working so hard for. […]

Last week I went to visit my daughter who recently moved. It was quite a drive, so I’ve stayed several days and plan to drive back home tomorrow. In the meantime, we’ve been cleaning, painting, and decorating her new place.

I must confess I am not sure just where the time has gone this year. It seems like the last I knew it was January and then all of a sudden it’s June.

Once you graduate from college you may feel a sense of relief. No doubt part of that relief is due to the idea that your studying days are over.

Having a monthly budget to follow can really help if you struggle with your finances. It keeps you accountable for your spending by reminding you of all your monthly monetary obligations. But imagine if your budget were to get blown out of the water because your paycheck got skipped. How would you keep your bills […]

It’s probably not a stretch of the truth to assume that many people have financial difficulties occasionally. Of course, for some people it happens more often than others. But one thing that doesn’t help is counting on luck to improve your finances. For most of us there is no pot of gold at the end […]

Most people use some type of social media app on a daily basis. When you’re on the go you likely see them rapidly pecking away on smart phones or other electronic devices. In fact, you may even be one of them. I must admit that I am. I like to use social media to catch […]

Peer pressure isn’t something that only affects teenagers. It may be more subtle, but it affects adults too. In fact, if you pay close attention you can feel it in your relationships with friends, coworkers, and family members. If the peer pressure is great enough you may not be able to resist the temptation to […]

As the first month of the new year draws to a close it is likely many people have already revised their budgets. If you are among them, it’s important to note that making changes to it doesn’t mean your budgeting is complete for the year. In fact, you should review your budget at least every […]

With Christmas just a day behind us, the new year is fast approaching. Many people will take the next few days to reflect on all of the changes the past year has brought. But multitudes of people will also begin thinking about their goals and New Year’s resolutions for the year ahead. They’ll try out […]