"Helping Married Couples solve their money issues with a partnership focus."
2012 is now here. It’s that time when everyone sets their New Year’s Resolutions and set’s forth to achieve them. Usually, a New Year’s Resolution centers around starting a new healthy habit or to discontinue a bad one. Quitting cigarettes or alcohol, losing weight, toning muscles, and curb impulse buying are among the top ones. [...]
I’ve been doing a lot of reading lately about the current financial situation our country faces. The Debt Ceiling, our rising national debt, unemployment rates, and more all are very important issues right now. As Americans today, we didn’t create these problems… they were made LONG ago by generations before us… and it seems they [...]
My wife and I have never been on a cruise. We know many people who have been on several cruises in their lifetime and they have enjoyed them very much. I think it would be great to take a vacation and enjoy each others company and escape reality for a while. The beaches, the ocean, [...]
Perhaps one of the biggest examples of not budgeting correctly can be seen in Altamonte Springs, Fl. This building is called the “Majesty” building and it serves as a reminder to all that if you start a project… make sure you have the money to finish it. This building has been sitting unfinished for more [...]
There’s a new fad diet out there called the 80-10-10 diet. This refers to the amount of calories you intake and what percentages of each type of calories you need. According to the 80-10-10 diet, you would want make sure that your calories come from 80% Carbohydrates, 10% protein, and 10% fat. I’m not a [...]
My wife and mother-in-law recently went shopping for Black Friday. Having already preselected the deals they were going to get…they executed their shopping trip and bought just about everything they wanted. When they came back they had many great stories to tell. All of these stories had me shaking my head in dismay. There were [...]
Recently my wife’s van got a flat tire. Fortunately it was in the driveway and she wasn’t stranded anywhere. To my dismay, however, I found out that the spare tire was also flat (it went flat some time ago and I never took care of it…). In the past I’d have called AAA and had [...]
A budget is a written plan of how you intend to spend your money over a period of time. Usually, people set up a MONTHLY budget. It doesn’t have to look fancy. It can be a No-Frills simple budget. The key is to take ALL of your income and allocate it into SOMETHING until there [...]
Your budget is a living document. That means it SHOULD change from one month to the next. If there is something you want to do in the month of October, plan for it and put it in the budget now. If you need to add a new budget item, go ahead. While a budget needs [...]
Someone just recently asked me “How do you start creating a budget?” Well, my friend, there are two parts to consider. First is knowing how much you currently spend and the second is planning your future spending. You really have to do both otherwise your budget won’t be based in reality. Tracking your spending – [...]
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