Personal Finance Advice

There’s a lot of talk about how parents can prepare their kids for financial independence, but it’s just as important to point out ways that parents can unknowingly hurt their children’s financial success. If you haven’t started teaching your kids about how to be financially responsible, now is the time to begin. It’s never too [...]

In amongst the usual depressing crime and war stories, our local paper recently carried an article about a couple who has been married for seventy years. That’s such a rare feat that the U.S. Census doesn’t even track the number of couples that make it that far. The census stops counting at fifty years of [...]

A coworker came to me moaning about her debt level the other day. Her New Year’s resolution is to get out of debt and she wanted to know where to start. I asked her what kind of debt she had. Car loans? Student loans? Credit cards? Almost all of the debt she had was from [...]

Over the years I’ve found myself, both here and in my real life, telling people with financial problems that small changes will help. I’ve told people that, “If you just stop eating out,” or “Stop spending on magazines at the grocery store,” or “Save $10 per pay period,” you can really help your financial situation. [...]

Most people seem to have a lot of false beliefs about being debt free. They seem to think that those of us who are debt free never have to worry about money, or that we are somehow free from the concerns of everyday life. Some people work to become debt free because they believe that [...]

I work at home and see a lot of neighborhood moms as I go about my daily errands. The other day, I bumped into a woman I have known for several years because our sons have played on the same teams and for a while they attended the same school. After chatting for a few [...]

Money is physically dirty 99.9% of all paper money is covered in germs and bacteria including E. coli and salmonella. Money isn’t just dirty because of the microorganisms; it’s also covered in bits of fecal matter and grains of cocaine. You would probably be just as well off licking the bottom of your shoe as [...]