Debt Is a Four Letter Word because it drains you! It drains your money, resources and limits your choices. Everyone knows that debt caries hefty interest rates. Credit card debt, personal loans, car loans or mortgages are debt with various interest rates. What can you do? ...
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Money or Your Life?
Give me your money or your life? In the interest of full disclosure, this is not a hold up! Do you have to choose? Every personal finance expert talks about the need for a budget, reducing your debt and saving for retirement. After forty (40) years what do you have? ...
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First Job Lessons
It was a long hot summer in New Jersey and I just graduated high school. I was looking for my first job because I needed to earn spending money for my first year in college. I was willing to take anything, but I was seventeen with no experience. I worked for my parents since I was seven years old, but that does not count. I lived in a rural ...
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Bringing Up Financially Smart Children
Many people have written about what to teach children about money. This is different because I developed these techniques and used them with my children. As parents, we want our children to be healthy, educated and happy. Do you want your children to face another financial crisis? More realistically, do you want your children to face a personal ...
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Budgeting Made Simple for Teens
Budgeting is a foreign word to almost everyone, but especially teens. Budgeting requires discipline and know how to be successful. Preparing a budget is similar to learning a new language. First you learn the vocabulary then the grammar and finally you learn to speak by practice. What is the vocabulary, grammar and how do I practice? Let's ...
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How to Teach your Children about Money?
My parents never taught me about money! My parents were too busy making money to teach me much of anything. I spent my time studying piano, practicing piano, and playing with my friends. They were children of successful neighbors. Maybe, I learned from them. I do not think so! Saturdays, I spent the day with my Mother at her retail store. ...
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