This past year has been all about changes, some good and a lot not so good. We’ve ridden the gas price roller coaster and held our breath to see the first African American President get elected. Some have cried over the bouncing stock market and some have jumped on board and bought cheap, hoping to [...]

I’ve never been much of a follower. Even as a youngster, I had to find my own way to do things, even if they didn’t measure up to what everyone else was doing. As a single parent for many years, I learned a few things the hard way. I learned not to follow common financial [...]

You would really love to put aside some savings for a rainy day, but that rainy day is now. It seems like every penny earned is spent before it hits the bank. Saving money is becoming harder for a lot of folks. Some people are so strapped that they have never been able to save [...]

I tend to be a bit bullheaded at times. Well, maybe more than a bit, but just because everyone else is doing something doesn’t mean it’s the best thing to do.
Take the advice that you hear everywhere about turning down your thermostat. Many people turn down the thermostat when they leave for work or are [...]

There is a famous quote that says that money is the root of all evil. I think that statement is wrong. I think that the envy of money is the root of all evil. How can money be evil? Money is an inanimate object, and as such, is incapable of any action at all, let [...]

I thought since the holidays are fast approaching that I would share a few, very easy recipes that are also cost effective. My favorite quick and easy cookie recipe is especially suited to letting the kids help.
As a person with several years of baking experience, I want to first recommend using good quality ingredients. Use [...]

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 you [...]

Automate your payments? Automate your life. Put everything on autopilot and just sail on up that river. Sounds convenient and easy, doesn’t it? Yep. That’s what they want you to think.
I have to admit that automatic payments can make your life easier if, and this is a big if, you are organized and able to [...]

Is this a recession or opportunity knocking? I’ve seen this question posed all over the media. A lot of the articles are aimed at higher income execs who work the stock markets. But I’m beginning to see front porch lights coming on in businesses everywhere.
Yes, we’re all still feeling the pinch of high unemployment and [...]

We must understand the word, wealth. The dictionary defines the word, wealth, as the state of having plenty of money or possessions. Ok, what does plenty mean? An adequate or more than adequate amount. Would you say that you are wealthy? Probably not. Would you say that you have an adequate amount to get by [...]