Keeping a budget is not enough. Life always hands us surprises and we often end up with expenses we did not plan for. Because of this there should be another aspect of your financial picture. That other aspect is called emergency money. Emergency Money Emergency money is money that you put away not as an investment and not … Continue reading Emergency Money
As more couples finish their “biological” families, or are unable to conceive biologically, often they turn to international adoption as an alternate method to grow their families. Walk through any mall or McDonald’s, and you will likely see a Chinese girl or Guatemalan boy in the arms of a blond-haired, blue eyed mom or dad. … Continue reading International Adoption — How to Cost-effectively Adopt a Child from Overseas
Ominous. Overwhelming. Big. Confusing. Any other words come to mind when that dreaded day comes that you have to make that trip to the store to stock up on food? Here are some simple tips to help make your next trip to the grocery store more effective and less stressful: Shop weekly. If you try … Continue reading Effective Grocery Shopping
In the old days, paying your bills meant sitting down at the kitchen table with a hot cup of coffee, a calculator, a checkbook and a roll of stamps. If the post office did its job, the companies to which you owed money would receive your check two or three days later. Today’s bill paying … Continue reading Online Bill Paying Saves you Money
Having found out that you’re pregnant, you start reading books and magazines which are full of ideas and pictures of beautiful baby things that would create a dream nursery for any baby – unfortunately most of the time the pictures are without prices because adding up the cost of putting together the perfect nursery would … Continue reading Bringing Home Baby on a Budget
There are some people who are gifted with the ability to save money and there are some that are not. Unfortunately, most people are of the later type. Saving money is something that requires an inordinate amount of effort for most people and only with effort can they accumulate any substantial amount. If this profile fits you then … Continue reading How to Start Investing and Build Wealth
What is money? Once we understand this fundamental question then we will be closer to being able to control it and accumulate it. Money is simply a method of exchange. Rather than bartering goods we exchange money for them. When we remember this we recognize that money is nothing but a form of energy. And as energy we can … Continue reading Saving Money: Money as Energy
Have you ever heard this common expression? “If you fail to plan then you plan to fail.” You might not have ever given that phrase much thought but if you have goals that you wish to achieve in your personal or professional life then you need to consider what strategies will help you be successful. … Continue reading Strategic Planning is Survival Planning
A garage sale —what better way to sell your stuff to others who are willing to buy it? Or, to go scavenging for hard to find items that others are desperate to part with. Here are some quick tips if you are having a garage sale, or plan to shop at one: Advertising. Letting people … Continue reading Effective and Successful Garage Sales
Americans love to eat out. It has as much to do with the social aspect as it does with the great taste of food you (as the cook) did not have to prepare! Here are some simple tips for eating out at your favorite restaurants affordably either with your friends or family: Look for “Kid’s … Continue reading Eating Out Affordably – Restaurant Saving Tips
Many of us spend without a plan. We pull money from our pockets with no thought to our overall financial goals. To get a better handle on your spending, make a budget. Decide each month how much money you will need for fixed and variable expenses, as well as how much you will spend on … Continue reading Saving Big Bucks – Bag to Save
Next to our physical health most of us are primarily concerned with our financial health, and with good reason. Although our intentions are usually good, our follow-through and discipline generally isn’t. Mere mention of the word budget or cutback sends us into fits. Healthy spending habits need not be synonymous with deprivation – a bad … Continue reading 5 Steps to Healthy Spending Habits
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