Some of us remember how very wasteful and mindless we used to be when it came to keeping money in our bank accounts. We typically lived by the BBS (Bare Bone Syndrome) Formula = Paycheck in – Pay Bills – Spend – No Saving. We saw our paychecks as an unending source of funds with [...]

It’s that time of year again. Thanksgiving came and was completely overlooked by frantic retailers stepping up Christmas shopping campaigns well before Thanksgiving and wooing consumers with promises of deep cuts in prices of “most-favored” goods and services. Black Friday and Cyber Monday sales and revenue numbers sealed the deal for most retailers and of [...]

My debt-free master plan is my simple – five steps I developed to help me get serious about getting rid of debt. Each day, since starting, I learn or discover something new about accomplishing my plan. I want to share with you how I started my master plan. Step 1 – Understand the Amount of [...]

I watched an episode of Suze Orman’s Money Class where she said something that made a whole lot of sense about how you manage money. She said “live below your means but within Your needs. This phrase seems like a far cry from the one we often hear “live within your means”. It summarizes exactly [...]