Personal Finance Advice

Food is one of the biggest line items in a budget, usually behind only rent or a mortgage and maybe the utilities. It’s also a necessity so you can’t just give it up. Many people want to know how to cut their food budget yet still eat something other than Ramen noodles and Hamburger Helper [...]

I’ve been helping a neighbor attack her New Year’s resolution to get her finances in order. She’s been writing down all of her spending for a couple of weeks and I’m helping her identify things that can be cut back. Like a lot of people, she spends a lot on things like coffee from Starbucks, [...]

When I first started embracing frugality, I wasn’t thrilled with the process. It all seemed so limiting, somehow. I didn’t enjoy combing sales flyers and planting my own gardens. I wasn’t thrilled about hanging my clothes out on the line or trying to find yet another way to re-purpose a glass jar. It seemed that [...]

We often think of hobbies as expensive, and some are. If you want to raise horses, collect antique cars, take up drag racing, or own your own plane to indulge your passion for flying, you’re going to pay a lot of money. However, there are plenty of hobbies available that are free or inexpensive. With [...]

You are using far too much of far too many things and you probably don’t even realize it. Most of it is simply out of habit although a good portion of it has it’s roots in commercials. No matter what the cause, becoming aware that you may be needlessly wasting money by using too much [...]

Some of you may not even know what an image consultant is, but that’s what I am. Basically, I’m a certified image professional who helps people with their wardrobes and closets. (Have you ever seen the TV show “What not to Wear?” I’m Stacey…just nicer.) My clients range from stay at home moms to very [...]

As a kid you probably grew up hearing Aesop’s Fables. These little stories all have a moral designed to teach kids (and adults) to live better lives and to be better people. Many of these stories deal indirectly with financial topics. As an adult it’s fun to go back and re-read some of these tales. [...]

If you’ve lived in your house for any length of time, you may find yourself bored by your home. If you watch too many shows on HGTV your own home can start to look unappealing by contrast. Maybe you’re tired of the carpet or paint colors, you hate the yard, or you’re frustrated by the [...]

This is the time of year when many people launch their weight loss efforts. Weight loss is hard work and it’s easy to fall for those products that purport to make it easier. We so want to believe that it doesn’t have to take so long, or require so much sacrifice from us. We want [...]

My first job was terrible. The boss was a bully and a sexual harasser. The work was brain numbingly boring, and the office politics were bloody and cruel. It was a lot like a game of Survivor without the eating of bugs. On top of it all, the company scammed its clients and lied to [...]

One of the things that makes getting ones finances in order difficult is the assumption that pleasure costs money. The truth is that it really doesn’t have to. The more that you enjoy the simple pleasures in life that don’t cost anything, the easier it is to get yourself out of the consumer mindset that [...]

I used to have a bad TV habit. A really bad TV habit. There were the daily prime-time shows during the week that I began watching as soon as I got home, and then sports the entire weekend. It never occurred to me that there could be a life without TV. It was just the [...]

I must admit that I wish I had more artistic talent. When there is an art piece that catches my eye, I can stare at it for hours wondering how the artist was able to visualize the final piece from the raw materials she decided to use. I also must admit that I have a [...]

Birthday parties can be a lot of fun. They can also be a source of great aggravation and angst, both for the party host and the celebrant. Some of this comes from the emotional aspect of birthdays, but some of the angst comes from the financial cost of the party. Sometimes it’s a combination of [...]

Entertainment is a large category in many people’s budgets. We all want to have fun, after all, with what limited downtime we have after work and chores are completed. The problem is that, “entertainment” money is easy to waste on things that have little lasting value. Now, by lasting value I don’t mean that something [...]

I love hitting the after Christmas clearance sales (and the sales after any major holiday), especially as they move into the deeper discounts. There are usually plenty of items left and prices are slashed to 75 – 90 percent off. When I hit the sales I sometimes look for holiday items, but more often than [...]

I don’t go to the movies that often, but when I do I’m reminded that it’s not only the movies themselves that can teach lessons about money. Sometimes you can learn about money simply by going to the theater and paying attention to the whole experience. Here are some money lessons that you might pick [...]

When most people think about New Year financial resolutions, they think about tackling those difficult issues that they know that they should be doing, but have been avoiding because they know working on them is going to take time, effort and probably a little pain. Get rid of the credit card debt. Reduce costs. Make [...]

For the first time in years, gas here went under three dollars a gallon. It was cause for a minor celebration. There’s just something nice about seeing that $2.98 on the marquee. It’s only psychological, but it was comforting. Of course, after my minor celebration I realized that there was no point in getting overly [...]

If you’re like many people, you’ll be making a New Year’s resolution to lose weight, save more money, or both. If you’re trying to do both, the good news is that weight loss and saving money often go hand in hand. It’s like accomplishing two resolutions at once. Even if you only choose one, chances [...]