If you do not have goals, how do you expect to achieve them? Every year, I hear people talk about Losing weight, stopping smoking, getting in shape or getting out of debt. All worthy goals, but you have to do something about them. "A goal without a plan is just a wish." (Antoine de Saint Exupery) Do you have dreams and aspirations? Of course you ...
Keep Reading
How to Cut your Expenses
Cutting your expenses may provide some insight how to save money. Some people would call me cheap! Others may say I am frugal! I think of myself as value conscious! I hate to spend more money for something than I need to. I divide my expenses into wants and needs which helps to set priorities. My approach may cause you to rethink how you spend ...
Keep Reading
Have you Broken your New Year’s Resolutions Yet?
Have you Broken New Years Resolutions yet? I know, it is only the twentieth (20) of February, but who's counting? It is way too soon for you to give up! Am I right or wrong? Your resolutions are still too fresh in your mind to quit this early. So this year, you will succeed. Don't you want to achieve your goal? Whether it is a financial, ...
Keep Reading
How to Buy Investment Property
Finding a good investment property is no easy task! Many people buy a home to raise a family, a hedge against inflation or flip and make a quick profit. There are still others who buy homes as an alternative to investing in the stock market. It may be a vacation home or a rental property, but it is still an investment! If you want to find a ...
Keep Reading
Is Your Best Enough?
I remember my parents telling me to do your best! Everyone can try to do their best. Too often, something prevents us. It could be lack of skills, experience or effort. Too often your past prevents you from success. If you do not have the skills to succeed and fail constantly, you are unlikely to keep trying. Next step is giving up or ...
Keep Reading
The Road to Excellence
Excellence is a talent or quality which is unusually good and surpasses ordinary standards. According to Aristotle, “we are what we repeatedly do. Excellence, therefore, is not an act, but a habit.” Old habits are hard to break and new habits are difficult to form. Habits can either benefit or hurt the goals you set for yourself. How are your ...
Keep Reading
What is the Secret of Success?
What is the secret of success? Simple enough or is it? Then, why do so many people have difficulty answering the question? There is an implication that if you say no that you are a failure. So what! In order to succeed, you have to fail. All successful people failed at one time or another. What makes them successful is they kept trying to ...
Keep Reading
Spend Less, but Spend Better
Can you spend less? Of course you can without affecting your standard of living. It is simple to spend less; you just cut your expenses. Just make some small changes to your spending and still have the same or better standard of living. All it takes is changing your priorities and a little planning. Are you interested? Let’s go through each step ...
Keep Reading
Do You Have a Plan?
Do you have a plan? I plan starting with the end or outcome. Would you buy an airline ticket without knowing the destination? Would you get on a bus, if you did not know where it was going? Many young people enter college for all the wrong reasons. A college degree opens up doors, but it is what you do with it that matters! Some day you will ...
Keep Reading
Do you have enough retirement savings?
Do you have enough retirement savings? It should be no surprise than too many Americans have not saved enough for retirement. So much has been written about baby boomers and retirement, but a Los Angeles Times article shows how it is not limited to them. 10,000 baby boomers turn 65 years old every day and will for the next nineteen years! Will ...
Keep Reading