There are plenty of firsts that represent important milestones in your life. More likely than not, purchasing a home will be one of the earliest of these accomplishments. However, there are important things to know before dabbling in the market. While you may think you’re ready to tackle the home buying process, there are several steps to take before getting the keys to your…
Shopping has long been one of America’s favorite pastimes. But that desire to spend has created a big problem for the nation. U.S. households owed nearly $900 billion in credit card debt alone at the end of 2018. Add mortgages, student loans, and medical bills to the mix, and it’s no wonder so many people live paycheck to paycheck. For some of the population,…
In my experience, there are three different attitudes about money. There are people who want more because they haven’t bothered to budget, people who just want more, and people who rarely think about money. Of course, there is overlap in those three types, but I’m not going to talk about that today. Why is Money Important? I took a philosophy class a few years…
So many things in our lives can be viewed as a positive or a negative, depending on your perspective. Time is one of those things. If you have a deadline, time is often the enemy. However, the lack of time can also be a great motivator to meet a deadline! I’ve been thinking about time and deadlines a lot lately and have realized my views…
Have you ever had a mentor or mentored someone? Do you know what it means to mentor? I have been lucky to have had several incredible people take me under their wings and mentor me. I’ve also had the opportunity to pay it forward. The satisfaction found in this kind of volunteer activity is far greater than you might think. It’s a way to share…
Growing up, my parents tried to teach me some basic money management tools. I remember hearing the question “Is that a want or a need?” over and over. Eventually, I grew up and had to make that decision on my own. I think their lesson sunk in! I Want it Now! Have you ever seen the movie Willy Wonka and the Chocolate Factory? It’s…
If you are anything like the rest of us, you have great intentions of keeping up with the paper tiger. But time, life, and perhaps a complicated system, all conspire to make it difficult to keep up. So, what does a person do to be better organized? Start by Purging! An often-repeated line in organizing paperwork is you can’t organize clutter. Excess paperwork is…
There it is, our favorite dirty word: budget. Just kidding, it’s a fantastic word, and as a gift to yourself, you should have a budget! One size fits all doesn’t work for budgets, you need to find one that works for you. I generally feel most comfortable with a budget that has some wiggle room built in, but I’m willing to bet that many people…
Why Are We So Emotional About Money? Stop for a minute and think about money in your life. What emotion are you feeling right now? Fear, anger, shame, and anxiety are the most common ones. Why is it that we feel so many negative emotions about it? Fear Fear of not having enough, fear of not knowing how to manage what you have, or…
Is Saving Time Still Relevant? Not only is this Sunday the day we spring forward and lose an hour of sleep, it’s the 100th anniversary of Daylight Saving Time. It hasn’t been 100 continuous years though; DST officially became a real thing in 1966. Let’s talk a little bit about DST… What Is the Reason for It? The original rationale was to have more…
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