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personal finance

This category contains 10 posts

TAX REFUNDS SHOULD BE SENSIBLE, BUT FUN, TOO!


Folks, you just got a tax refund windfall!  Celebrate!  And lighten up, a little. Some of you are so serious.  Squirreling away the whole bundle in paying down the mortgage, Emergency Fund infusions, or  debt repayment. Sheesh. Others are giddily zooming off in all directions, buying big screen TV’s, new couches, or new wardrobes. Gulp. … Continue reading

Time Running Out? Plan a Life Worth Living.


Plan a life worth living. Continue reading

MARCHBREAK EXPENSES ARE NOT FUN!


    If you have kids, you are in for it now.  March Break. Either they are at some type of camp, an extra expense, or you are scrambling to find cheap things to entertain them.  While you enjoy spending time with the kids, it can also be stressful if you don’t have the money … Continue reading

WHERE IS THAT$40 YOU TOOK OUT THIS MORNING?!?


  Follow me now into the dark labyrinth of your shopping day. Day One: 9 am. You merrily go to the bank machine, take out $40 in cash, and feel, what, loaded? Healthy? Happy?   10 am. You hit the grocery store for a bottle of mustard.  You know,the gourmet kind with the seeds. You … Continue reading

Groceries which You do not Eat are not Groceries


  The dictionary defines Groceries as products you get from a grocer. Ergo, this could be cat food, laundry detergent, and celery. But, the money you put aside for weekly groceries needs to reflect the things you are buying. If you have a pet, wouldn’t a Pet category give you a clearer picture on how … Continue reading

Someone Must Be Blamed for Your Financial Mess. Is it Mom?


  You are intelligent, competent, well-dressed, usually, and quite a charmer when you want to be. How could you be in such a financial mess? There are bills to the left of you, bills to the right of you, and collectors in your face. Or at the very least, nightmares, and money obsessions for hours … Continue reading

Credit Card Death


You cannot spend money you do not have. Continue reading

CHRISTMAS IS WAITING IN AN ENVELOPE


  You’d better watch out.  You’d better not cry.  It’s coming and you can’t stop it.  The holiday season wants you to go farther into debt than you have ever gone before.  Whatever you spent last year, including special foods, new clothes, trips, hostess gifts, office gifts, family and friend gifts, cards, house decor, and … Continue reading

WHOSE LIFE ARE YOU LEADING? CUSTOMIZE IT!


If you were a car, would you be the stripped down model? How stripped down? No air conditioning? Radio, CD player? Moon roof? Leather seats? Cruise control? Would you have the strippy because you could not afford the bells and whistles, or because they are too frivolous? Your attitude to your car reflects your attitude … Continue reading

MONEY WINDFALL. I’M RICH! SPLURGE?!?


If you have just come into money, and by money, I mean that you got an unexpected lump sum. It might be $100 or $1,000, or more. What is the first thing you plan to do with it? If you’ve been depriving yourself, that is, you have not been using a balanced Spending Plan to … Continue reading

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