An email came in asking a question on a very important topic: handling the disasters that hit when you’re in the process of getting your financial situation under better control, but haven’t yet reached paydirt. Donna asks: ‘… what about those times when I’m doing everything right – created the budget and staying on it, […]
Spending must be a conscious activity What do I mean by that? Have you ever said the following at the end of the week or month: “Where on earth did my money go?” I know that I’ve said that! The idea behind conscious spending is to break the habit of spending whenever you ‘feel’ like […]
Go ahead, admit it. You’ve thought about playing the lottery before. Maybe you’ve even played it during one of those $300+ million jackpot frenzies. Or perhaps you are a regular customer of the game . . . .
Obviously, Americans spend an enormous amount of money gambling, yet the issue is always controversial. Whenever a new jurisdiction seeks to add gambling, there is always a controversy. Christians are often the most vocal opponents of these measures, which usually pass anyway . . . .
Have you ever wondered why you don’t save more for retirement? Or why others who you know don’t? If saving for retirement is so important, why don’t we do more of it, or even do it at all? I’ve come up with a handful of reasons, and all have to do with either personal attitude and preferences, or with life circumstances. Sometimes we just have to overcome ourselves, and other times we face circumstances that limit our efforts.
Whereas the bible never uses the term “co-signing”, it gives plenty of advice about assuming responsibility for another person’s loan. Most of this advice, appropriately, comes from the Book of Proverbs … a book of wisdom. Here’s what it has to say.
With many people still struggling to find work, bankruptcy filings continue to grow. More than 500,000 people have filed so far this year, according to the National Bankruptcy Research Center. That’s up 17 percent from last year at this time. While bankruptcy’s stigma has weakened in recent years, it is still an especially troubling topic […]
It is obvious that overpaying for something isn’t a good idea, but with cars it is especially a bad idea. The reason is that cars are depreciating assets, so if you take a loan out for your purchase, you immediately enter into a race to pay the car loan down faster than the value drops. In my case with the convertible, I did a lot of things that ensured I was going to lose this race…