Personal Finance Advice

Written by an animal welfare volunteer
If you are going through hard times financially, have already cut back on your expenses where you can, and have made efforts to increase your income, but still feel that you can no longer afford to keep your pet(s), you have my compassion. I am a huge animal lover, but [...]

If you value saving money more than keeping friends, I have the perfect article for you. Follow these 10 simple steps and you will not only save money, but also drive away those pesky friends.
Depending on how close the friends are, you may have to complete all 10 items on the checklist and possibly [...]

When my mother died, I worried a lot about my father. How will he cope? What will he eat? Despite my worrying, I didn’t need to worry much about his finances. His forethought saved his financial life, despite our family’s terrible loss.
Dad always has been a stickler for details. This carries over into his [...]

One of the questions I’m asked most frequently is, “How did you learn so much about finance?” The subtext to the question is usually along the lines of, “I know you aren’t a genius or good with numbers, so how come you have a handle on this stuff and I don’t? How come I’m broke [...]

If you have kids, you have probably endured seasons of organized youth sports. Baseball, basketball, football, hockey, lacrosse, swimming, volleyball – the list of options for kids is seemingly endless and can keep them occupied from January to December. If your kid wants to play a lot of different sports, it can [...]

What is family entertainment? First, let’s take a look at the definition of these two words.
Entertainment - Something that diverts, amuses, or occupies the attention agreeably.
Family - A group of people living together and functioning as a single household.
Seems pretty self-explanatory, doesn’t it? So why do we spend so much time sprawled out in front [...]

One of the absolutely best things my wife and I ever participated in was premarital counseling with our pastor. Among other things, he brought the topic of finances to the forefront for discussion and helped us put the right plan together.
Not unlike other families, our biggest issue was that I am a saver [...]

In the last year, I’ve noticed a trend among the invitations I’ve been receiving in my mailbox: Rather than being simple invitations to celebrations, they are becoming thinly disguised money grabs. I have been invited to weddings and told (not requested, but told) to give cash. I’ve been invited to a “going away to college [...]

Why do many people opt to spend rather than save money? Because saving isn’t fun. It’s not as much fun as going to the movies, or out to eat, or to an amusement park. And why is that? Because many of the things we do for entertainment are social. They get us out amongst other [...]

Your grandparents (or maybe great-grandparents) were better than you at saving money. If you think long and hard about that, most of you will probably agree with that statement. There are a number of reasons why they were better and some things we can learn from those facts. Let’s dive right into those reasons.
Awareness of [...]

Planning an effective date is both an art and a science. It is a science because successful planning requires both an understanding of your partner and an understanding of where you are in your relationship. It is an art because it must be creative and at times innovative. Moreover, a successful date must [...]

If there’s anything designed to ruin a marriage, it’s money. Not only could tension be created by the amount coming in, but there could be different money styles – a hoarder vs. a spender.
My husband and I, thankfully, have similar styles. He’s more of a tightwad than I am, but we can find the middle [...]

With the holidays approaching, it’s time to think about Christmas shopping. We always talk about ways to save money on gifts, from hitting the sales to drawing names out of a hat. That’s all well and good, but these strategies only save money for the buyer. How about turning the savings around this year and [...]

An investment in knowledge pays the best interest. - Benjamin Franklin
The secret is a simple one: Education. I’m not talking about going to Harvard or some elite university. I’m not even talking about a Masters or a PhD degree. I’m talking about fiscal education. The rich are rich because they know how [...]

Christmas and Chanukah and Kwanzaa are coming! That means that if you are a prudent shopper, you have been doing your holiday shopping for many months now. I am sure that all are doing a fine job of controlling their spending while they shop for holiday gifts but I wonder whether we are [...]

When I was a younger man, I used to spend most of my free time at night hopping from concerts to films to theatrical productions. It was easy then. I needed only to purchase tickets for myself and I could often find a way to get myself added to guest lists. As [...]

This week I was trawling one of my favorite message boards and noticed a thread on whether or not a child should have an expensive cell phone and, if so, should it be given as a gift for a big occasion, bought with the child’s own money, or just purchased outright by the parents. The [...]

There is so much involved when you are getting a divorce. The emotional shock seems to outweigh all else. You certainly don’t want to think about financial matters. But you must. Many unscrupulous lawyers make their monies on quick and dirty divorces. They don’t tell you everything that you need to know.
The following story is [...]

We talk a lot about money: How to get it, how to spend it, where to spend it, and how to save it. For all the time we devote to talking about, worrying about, and dealing with money, you’d think it was the most important thing in the world. If the time spent obsessing about [...]

Technology has made it much simpler to compare rates and find the cheapest prices for services and products. Why pull out the phone book to call several insurance agents to find the best price when you can visit one website to instantly get the most competitive price quotes? Why settle for paltry interest rates at [...]