November 2010

5 Ways to Destroy Your Budget

11.30.2010 by Jason Price 1 comment
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There are a lot of great articles out there on how to create a budget. Most people who are facing financial challenges with debt, impulse spending, etc. look to have a plan or a budget when things start running out of their control. They reason a plan is what it will take them to reset and head in the right direction…

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$164.6 Million In Unclaimed IRS Refund Checks: Is One Yours?

11.28.2010 by Bob 8 comments
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Wow. Who knew that there were over $164.6 Million in unclaimed IRS refund checks out there? Apparently the IRS can’t find some of us to give us our money! I wonder if we owed money, if they would be able to find us? ;)

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Are you in a debt cycle? If so, it’s time to get out!

11.27.2010 by Jason Price 7 comments

Living in a debt cycle can be one of the most frustrating things for people who are working hard to live financial free. You work hard to pay off debt and before you can blink you’re in debt again. So what causes a debt cycle, anyway?

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Is it Wise To Borrow Money To Invest?

11.26.2010 by John Frainee 6 comments

Many personal finance experts answer this question based on the math. They figure if we borrow from one party to invest the money and make a profit, that makes sense. After all, you’ll beat the interest rate you’re borrowing at, right? In theory this is a wise move. But is it the best? Let’s explore this question in greater detail and look at the pros and cons…

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Should You Use Retirement Savings For Your Kid’s College?

11.25.2010 by Tim 2 comments
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Saving for your child’s college tuition can be a difficult task, especially in today’s economy. According to a study by Sallie Mae, 60% American families save regularly for their child’s college tuition. A surprising 24% of parents who save, however, admit to using their retirement savings to cover tuition for their children…

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Your Emergency Fund Is For More Than Emergencies

11.24.2010 by Joe Plemon 10 comments
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Patrick and Teresa (fictitious names) were doing well. Or so it seemed. Patrick had a good paying government job and Teresa was self employed. They had a mortgage on a nice house and were making payments on a nearly new car. They carried credit card debt, but “so does everyone”, they reasoned. Then the unexpected happened…

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Why I Think You Should Set A Goal

11.22.2010 by Bob 9 comments
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A few years ago I started meeting with a “life coach” (my term, not his) who I was looking for some guidance from on how to be successful in a few particular areas of my life. He was a very wealthy, successful, God-fearing guy who just seemed to have it all together. He was a friend of a friend and I jumped at the chance of meeting with him…

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How to Save Hundreds of Dollars By Taking a Day Off Work

11.21.2010 by Craig Ford 4 comments

Do you have a to do list that includes items you should have accomplished a year ago?  If you do, you are what I call normal. The January 2010 issue of the Sound Mind Investing Newsletter discussed something called a “fiscal health day” (a term they borrowed from a Ron Lieber article in the New [...]

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Generation Earn | Book Review

11.20.2010 by Guest 1 comment

I read Generation Earn: The Young Professional’s Guide to Spending, Investing, and Giving Back by Kimberly Palmer. This book is geared toward the forty year old and younger professional person that is a college graduate. The book is full of stories from professionals that explain their financial situations and what they did to solve their financial dilemmas. There are a wide range of topics that the author: debt, purchasing houses, starting a business, life changes such as having a child and investing…

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5 Ways to Kill Your Financial Progress (And How to Get Ahead)

11.20.2010 by Jason Topp 6 comments

Maybe you’ve experienced this. You’ve been trying to get ahead financially, scrounging up a little bit here and there to save into an emergency fund or your IRA, but it just seems like you never make any progress. Why is that? What are some things that are killing your financial progress? Let’s take a look at five things that may be impeding you financially, and ways to overcome…

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Worried About Money? The Bible Says…

11.19.2010 by John Frainee 4 comments

Money. It’s one of life’s many stressors. Thoughts about finance can zap all our energy if we’re not careful. Yes, bills might be stacked up. Yes, the collectors might be calling. Yes, the mortgage still has to be paid. But why worry? Many dictionaries define “worry” as allowing one’s mind to dwell on difficulties or troubles…

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How Do You Save Money for a Replacement Car?

11.18.2010 by Jason Price 12 comments

One of the biggest financial responsibilities people face is car ownership and the associated costs. I would gather the majority of folks don’t save up enough cash to go out and pay for their first car straight from their wallets. Rather, they find the best used or new car deal they can and settle in for 4-5 years of payments. After the car is paid off, they either repeat the process…

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How to Avoid Lifestyle Inflation

11.17.2010 by Craig Ford 1 comment

Most folks don’t have a problem spending money. Instead, they have issues trying to put a cap on their lifestyle. This is called lifestyle inflation. Your standard of living always seems to unexplainably increase in line with your income…

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