Joint vs. Separate Checking Accounts
Mar11

Joint vs. Separate Checking Accounts

Tweet This is an interesting topic.  It can be a sensitive topic as well. As a married couple should you have separate or joint checking accounts? I didn’t get married until I was in my 30’s, I had my own bills, my own house, my own job and my own checking account.  My husband also had his own bills, job and checking account.  I first thought yes, we should have a joint account, my husband did not agree at the time so we...

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When Frugal Costs You Money
Mar09

When Frugal Costs You Money

Tweet Frugal, not cheap, but frugal is an important trait in those who are working toward becoming debt free and living in financial freedom to build wealth. I have always promoted frugality to my clients. It is important to price shop, use coupons, buy generic, etc. There is a time however, when being frugal turns into being cheap and it starts to cost you money. Like the old saying goes, “the bitterness of poor quality remains...

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Save Money While Eating Out
Nov19

Save Money While Eating Out

Tweet Who doesn’t like to eat out!  It is so nice after a long day of work, or dealing with the kids to let someone else do the cooking as well as the clean up for dinner and what better way to get waited on than to go out to eat at a restaurant. Now the convenience comes with a price.  The easiest way to blow your budget is eating out too often.  As you know I highly recommend reserving eating out for special occasions as I...

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Three Excuses To Use A Credit Card Debunked
Nov18

Three Excuses To Use A Credit Card Debunked

Tweet If you have been reading my blog for any time at all you know how I feel about credit cards, I don’t like them!  But many people do and the three main excuses I hear from people, especially those in debt, who are unwilling to give up on using credit cards are: I need it in case of an emergency It is safer to use a credit card when shopping online sometimes I even an extended warranty. I get cash back Let’s break down...

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How To Save Money When You Don’t Have Money
Nov17

How To Save Money When You Don’t Have Money

Tweet So many times I hear the question “How can I save money when I don’t have enough money to pay my bills?” When I was in debt the last thing on my mind was to save money.  I even remember saying, I am living now, I am young now, I am going to enjoy my money NOW!  Enjoy I did.  I spent money I didn’t have.  Did you catch that?  I spent money I didn’t have.  If you can spend money you don’t have,...

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Financial Funk
Nov15

Financial Funk

Tweet Have you ever gotten discouraged over your finances?  The lack of money you make?  The amount of debt you have?  If you answered yes, you’re not alone. What would cause a financial funk?  Could be you lost your job. Maybe you are in a job you don’t like and feel trapped due to your financial responsibilities.  Maybe you have slipped a bit paying off your debt and increased your debt due to a compulsive buy.  Or maybe...

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Grandma Didn’t Live This Way
Nov12

Grandma Didn’t Live This Way

Tweet When I was growing up and went to visit my Grandma she always had some dough left over from her pie baking.  She would save it for me so I could play with it.  It was just dough, but as a small child I enjoyed playing with it.  I would squish it, stretch it, roll it into a ball, and do any other fun things I could think of.  It was fun, simple and most of all cheap entertainment. My grandma would bake apple pies all the time.  I...

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