It’s not a pretty picture.  Mounting debt can leave one feeling helpless and depressed.  Your back is against the wall and you have nowhere to turn to for help.  Sound familiar?  A lot of us have or are there right now.  But, there is hope.  Here are four steps you can take to get yourself [...]

Everyone has heard the old saying ‘you have to crawl before you walk and walk before you run.’  It’s no different with your finances.  If you look at it any other way, you will continue to feel frustrated and it will be easier to give up than to keep going.
Make an Easy Plan.  The first [...]

If you are in your twenties or thirties, this discussion probably has less relevance for you.  But you can still gain some insights on what to do and not do for retirement planning.  Those in their late forties or fifties will find some sound advice here.
It is Never Too Late.  Throwing up your hands in [...]

I know.  This is too easy.  It’s like an under-handed pitch to a major league hitter – it is out of here!  But, can you make an indulgence for those who really would like the question answered?
Too many people are living paycheck-to-paycheck these days.  It is very difficult to make ends meet - especially with [...]

This is more of a rhetorical question that anything, but one that we should address because if we confront why we are not doing something that we know we should be doing, it might help us change our behavior.
Brain Matter.  One of the problems is that our mindset is dysfunctional.  What we mean by that [...]

The squeeze is on. Your household budget is feeling the pinch of higher prices at the gas pump.  And the domino effect on consumer prices is frightening.  Everywhere you turn, higher prices are here to stay.
So, what’s a family to do to keep on the straight and narrow of living within their means?  Here are [...]

With gasoline prices above $4.00, many are spending large amounts of money to fill up their pick-up trucks and large SUV’s with V8 engines.
The temptation is to either sell or trade them in to get something more economical that does not require something akin to a small loan to fill up at the gas station.  [...]

First, let us establish that there are two types of savings: short term and long term.
Short Term.  This is for easy access to cash that is needed right away.  You should use this money for repairs on vehicles, appliances, or other unexpected emergencies like insurance deductibles.  You should have at least two or three paychecks [...]

As a wise steward of your financial resources, it is a good idea to stop and examine where you are and how you are doing with regard to financial goals.  To that end, the following will help you attend to that task by focusing on the basics.
Budget.  Do you have a budget in place?  If [...]