Reduce discretionary spending to pay down debt and increase savings.

Finding Pain-free “Extra” Money in our Budgets

Top 3 Suggestions for Finding Pain-free "Extra" Money in our Budgets to Accelerate Debt Elimination or Savings PowerCashTM is a powerful and effective principle for accelerating our debt repayment...

“Leveling” Our Expenses

  Make Your Expenses Predictable I regularly teach in my Budgeting (“Spending Plan”) classes that our goal should be to...

You can build wealth by investing in your own business.

Your Weekly Financial Review

Review Your Finances Weekly How often are you looking at your personal finances and your budget? Each month? Every two weeks? Do you know how much money you have to spend this week? What’s in your...

Using the envelope system can help you better budget your money.

Back to Basics: The Cash Only Method

Reign in Your Spending by Using Cash Only If you’re like a lot of people, the thought of writing each expenditure down or filling out...

The Envelope System’s Basic Steps

How to Use the Envelope System to Manage Finances I'm a believer in the Envelope System to help those of us struggling...

Follow these steps to take control of your life after college

Life after College: Finding Your Way

What Comes after Graduation? Surely, on the day you received your admission letter to college, you looked forward to the moment you would cross the...

Dealing with the Expenses of Raising a Child

Cost of Raising a Child

How much does it cost to raise a child? As a spin-off of our infamous blog on the cost of groceries, I thought it would...

How to Spend Less on Groceries

7 Keys to Saving Money on Groceries

Cutting Your Costs at the Grocery Store Since grocery expenses tend to be the largest expense in American households that we have some control over, this topic is critical for all of us to address. The US Department of Agriculture puts out...