More Financial Tips Pick a Direction.  What does that have to do with finances?  I’m glad you asked.  It is much like the rest of life, if you don’t have a goal, a direction, you basically get nowhere. What is the direction for your finances?  What is your main goal?  You should have short term goals and long...

CASH vs. DEBT Once upon a time…when people wanted to own something they had to have the money for it.  Now in the more Civilized time we live in all you need is CREDIT.  You can go into DEBT for just about anything.  Houses, cars, food, movie tickets, dinner out, whatever.  I think the only place that...

Financial TIPS We talked about having a SPENDING PLAN for your money but what about other money problems?  One of the first things you need to do is check your credit report to see what you have outstanding.  I spoke to someone just the other day that had never checked their Credit Report. You probably have seen...

Plan to Spend your Money. I don’t know about you but I plan to Spend my money.  That is a nicer way of saying that I have a (BUDGET).  Someone once asked me if I wanted to Choose where I spent my money or if I wanted circumstances and whims to choose for me.  It made sense to me that I should Choose.  I can have nice...

Married Couples I was meeting with an engaged couple the other day, helping them prepare for their marriage and we were going over the BASICS of marriage.  I got to thinking about how many of us, married for years, need a refresher in the Basics of marriage.  1) How to do a Budget together – 2) How to have Healthy...

Finances Part #2 We talked about the necessity of having a Spending Plan.  Choosing where I want to spend my money.  The other areas of Finances that are important are; Income, Saving, Giving and Investing and Retirement planning.  You have some control over all of these areas.  These areas protect our Finances and give...

Balance: Out of Control Finance To have a peaceful balanced existence you need to get the Financial part of your life in Balance.   If this area of your life is out of control the remaining areas will all suffer.  Work will be harder, relationships messier, the mental area will be a disaster.  We need a plan to decide how we want to...