One of the benefits of a life without debt is (some) freedom from the gods at FICO. Because I don’t do debt, my FICO score is not as important to me as it is to some and that takes a lot of worry out of my life. I see many people freaking out about their [...]
I heard an interesting comment the other day from an unexpected source. The person said, “If you respect the abundance you already have, you’re more likely to get more. Whereas if you dismiss what you already have, you are likely to receive less.” You might think this came out of the mouth of a minister [...]
Over the past several months, I have noticed that several of my acquaintances have stopped buying coffee when they are out. Indeed, I’ve read several articles about that phenomenon and Starbuck’s financial performance of late has supported my observations. When I think back on all of the money that I spent on coffee, and espresso, [...]
I recently described my frustration in dealing with a reservationist at a higher-end hotel chain. The reservationist was seemingly incapable of determining the best rate for which I was eligible. Unfortunately, my problems with the reservationist were only the tip of the iceberg of difficulty with the hotel. Our problems started with inconveniences that we [...]
It doesn’t take an economic downturn to challenge the best financial wizards – it can be something as simple as the end of a relationship. When two people separate, their financial lives separate as well. Each person assumes more financial obligations while each has to learn to live within his or her means again. When [...]
Have you ever thought about how much money people waste in a given day? Today, I tried to keep track of all of the waste that I witnessed and I was rather surprised, given our economy, how cavalierly people will still waste their financial resources. It made me think back to a time, about 15 [...]
Many people are totally dependent on their (or their spouse’s) “regular” job for all of their income. This is a risky proposition even in good times, but especially now that jobs are being cut left and right. When that one job goes, all of the necessary income goes with it, leaving the person with no [...]
