Top 3 Reasons why Having an Emergency Fund Makes Sense
Let’s face it, there are many good reasons to have an emergency fund. I am going to focus on the top 3. Emergency funds break your dependency on credit! We treat credit as our...
Category: Get Out of Debt
6 Easy Steps to Spring Clean your Finances
Ah! Spring! Such a wonderful time of renewal. You just feel like your coming alive! The heck with New Years Resolutions, spring is a much more motivating time to make changes. So why not...
How prepared are you to survive an increase in interest rates?
We have been enjoying record-low interest rates for years. And we are getting a little spoiled. And a whole lot complacent. It is inevitable that interest rates will rise. Everything is cyclical – it...
Negotiating with Creditors / Collectors
Collection calls can be unnerving and intimidating. It’s easy to feel like you have no power in the call. And some (far too many it seems) collection agents use bullying tactics to collect which...
Common sense approach “Trumped” by Snake-oil Salesman
I’m not much for following politics. I mean, I care, but I don’t get wrapped up in it. I don’t see the point. I’m the eternal optimist, always looking at the sunny side, and,...
Living within your means = meaningful living
In today’s age of consumerism it is arguably easy to live beyond your means. Every time you turn around you face some type of advertising message telling you that you can have more, spend...
Retirement Myth Busting – Part 1
It seems that more and more these days the topic of retirement is coming up. Likely has something to do with my age ;). Weekly an article pops up in the news or my...
Where do I turn when my finances fall apart?
Asking for personal help has to be one of the most difficult things to do. Whether it’s for relationship advice, parenting advice or financial advice, nobody wants to admit they can’t go it alone....
Experience your Debt Differently
It’s payday. You’re trying to figure out what to pay, how much you need to get you through the month (or following your spending plan that you created to make life easier! Yes!). You...
What do I do if my elderly parent is in debt?
This question comes up a lot. Often if you are caring for a parent. Sometimes it is quite the surprise (shock!) to find out how much debt your parent has. Recently I had a...
