Debt Repayment Options

  If there were an option to get out of debt quickly, painlessly and in a way that was likely to succeed, there really wouldn't be so much confusion about how to get out of debt....

Cost of Groceries per Person per Month

March 15, 2017 I have received many, much-appreciated emails from readers and educators alike wondering about my suggestion from as far back as our 2011 budgeting presentation and a 2010 blog that households should try to spend between $75 and...

Debit or credit?

Debit or credit? Originally published February 15, 2017 It's a question we all hear so frequently that we have a tendency to tune it out sometimes: "Debit or credit?" Let's clarify a few misconceptions I have heard over the years, before we address this...

It’s SIMPLE-S stands for Spend

SIMPLE Personal Finances Originally published September 2, 2016 A couple of months ago, I published my introduction to SIMPLE finances: Spend, Invest, Manage, Plan, Limit and Eliminate Today, I want to expound on the first part: Spend Now, before anyone gets it into their mind that I am encouraging them to go...

7 Steps to Building (or Rebuilding) Your Credit Rating

September 22, 2016 It's a question I hear regularly from people of all walks of life: How do I build (or rebuild) my credit? The following are some simple steps that can contribute to better credit ratings, whether you're starting with no credit...

SIMPLE Personal Finances

SIMPLE Personal Finances Originally published August 26, 2016 "Savings is important, but what about insurance?" "Investing for the future it a great idea, but how do I escape my paycheck-to-paycheck lifestyle now?" "I know my credit rating is important, but what about getting out of debt?" These are common questions I have heard...

Personal Financial Reading List for 2016-2017

The kids may be back in school, but Mom and Dad are still worried about their future. While the school teachers help them prepare for earning money in the future, who is helping them learn how to save and spend it? Unfortunately, for the overwhelming majority of school ...

Award Winners: Bennies and Burnies

The Bennie Awards A Bennie, in honor of that great American patriot and purveyor of sound financial wisdom and life skills, Benjamin Franklin, will recognize movies, shows, plays, books, video games and songs (works of fiction) that promote sound financial capacity building habits, attitudes and behaviors....

And the Bennie Winner Is…

Bennie Award: Fun with Dick and Jane I just read a great personal finance review of this movie - originally filmed in 1977 with George Segal and Jane Fonda then...

Ever maxed out your card? How quickly?

Have you ever maxed out a credit card? I have shared in my book, Everyday Money for Everyday People, and often in my workshops, that I learned about credit cards the hard way. I maxed out my first credit card...