Value Meals Aren’t! Fast food: don’t order value meals. This applies especially for those people who would have ordered the burger and a drink, but then see that for only a few cents more, you get the fries too. That timeless truth prevails—there’s no such thing as a free fry. So you end up paying […]

Expect the Unexpected Build a cash cushion that you can get at quickly in case of an emergency. If you don’t have such a cushion, a broken furnace or other calamity will wreck your budget and push you into credit-card bondage. Your thoughts on this subject? Your comments appreciated!

Keep a written spending record. Paying attention to your spending patterns will help you in the process of paying your bills with greater control and adherence to your goals. You may then discover some holes in your budget than can be plugged up. Your thoughts on this subject?  Your comments appreciated!

A Good Rule For Borrowing Never borrow to buy depreciating items. Things such as new cars, furniture, clothes, appliances, boats and luxury items should not be purchased until money is available to pay for them. Don’t borrow to go on vacation, to invest in the stock market, to get married, to keep up with the […]

Five reasons to pay cash! Plastic—ATM card, debit cards and credit cards—are all stand-ins for money. They are not the real thing. They are just representatives, and often poor ones, when they represent debt. Five reasons to pay cash! Paying cash means making some lifestyle changes and sacrifices, but it will keep you from drowning […]