If you’ve just jumped into the frugality wagon, you’ll find that the kitchen is one of the best places to start. It is no secret that cooking your own food instead of having it cooked – and delivered – for you can cost less than half of your overall expenses every month; or even every … Read more
This envelope budgeting method, also called the cash budget system, will increase your income by knocking down your expenses. When it comes to smart ways to save money from your paycheck, this frugal envelope budget approach is a proven money management tool. In fact, using this technique, you’ll find that you can better organize and … Read more
When will I ever be able to retire? As more and more of the Boomer generation reaches their fifties and sixties, you’ll see this question appearing more frequently on the T.V. and in your daily newspapers. There really is no hard and fast set age for retirement. For most people, it depends on their financial … Read more
Buying a fixed annuity can be a daunting task. You have the hordes of self-proclaimed financial experts telling you to avoid them like the plague, and you have your own planner telling you that you should not listen to all of the negative press. Fixed annuities are not an altogether difficult financial product to understand, … Read more
Buying your first house will almost certainly entail using a mortgage loan. One of the incentives to eliminate credit card debt, or indeed prevent it in the first place, is to make house purchase a real possibility for you. The better your credit report, the better your chances of obtaining the loan for your dream … Read more
A person’s motivation is simply their desire to achieve a specific goal. Their motivation will determine how much effort they put forth in order to take on a task, see it through to completion and the quality of work that is performed. Motivation is the cause for taking action. For all of us, there must … Read more
The world of financial and insurance products can seem to be an endless sea of terms and definitions. The average investor is often left in a world of confusion, not really knowing what to learn next. This steep learning curve can be discouraging, leaving the investor unable to make decisions and jeopardizing their hard earned … Read more
I believe that in this fast paced world that is changing so quickly proper communication plays a vital role in our success both at home and in business. The fact is that we are in constant communication with people around us whether we are aware of it or not. When you talk to your partner … Read more
Across the world, Americans have an image of being rich, and to some that means every American is rich and will always live in style, right up until their dying day. I notice this where I now live in Europe. The vast majority of people here would not easily believe that 70 percent of all … Read more
If you consider yourself a sharing person, what do you share the most? Do you share your knowledge, money, time, feelings, dreams and vision, your wins, failures, or complaints? What motivates you to share in some areas, and what holds you back from sharing in other areas? Many people expect others to share first before … Read more
