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Making Sense of Money

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Given a Choice, What Will You Do?

February 22, 2012 by Justin

Given a Choice, What Will You Do?  Life is a bunch of choices or is it?  Smart choices depend on savings.  People without savings or access to money do not have choices.  Just in case it is not you, I am talking about the people who are at their credit card limit, live paycheck to paycheck, no savings, up to their eyeballs in debt and a lousy job ...

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Filed Under: Goals Tagged With: Budget, Budgeting, Credit cards, debt, Finance, financial decisions, financial literacy, frugal, Frugal Living, Goal setting, Goals, information, interesting, Money, Personal Finance, Planning, Retirement, Savings, spending, Stretching your Money, Values

Can’t Buy Me Love

February 16, 2012 by Justin

Living within your means; four little words to live by.  I look back and think how did I get to where I am today? I married very young the first time; I was 20. My first husband and I met when I was in college. We both worked full-time and ran a landscaping business. We owned our first home before my 21st birthday, went out to dinner almost ...

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Filed Under: Uncategorized Tagged With: Budget, Budgeting, Cash, Credit cards, debt, financial decisions, financial literacy, Frugal Living, information, interesting, lifestyle, Money, Personal Finance, Planning, Savings

Broken New Year’s Resolutions!

January 25, 2012 by Justin

Have you Broken New Years Resolutions yet?  I know, it is only the twenty-fifth (25) day of the New Year.  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, personal, or ...

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Filed Under: Goals Tagged With: Budget, Budgeting, Goal setting, Goals, information, interesting, lifestyle, Money, Personal Finance, Planning, Retirement, Savings, Stretching your Money

The 3 B’s of Success

January 23, 2012 by Justin

The 3 B's of Success is the second in a series of articles to help you reach your goal.  What are your goals? I know you thought about it!  You know, it is your dream, wish or resolution you made!  Before you can get to where you want to be, you need to know where you are going.  You wouldn't get on a bus, train or plane without knowing where it ...

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Filed Under: Managing Money Tagged With: Budget, Budgeting, Cash, debt, Finance, financial decisions, financial literacy, frugal, Goal setting, Goals, information, interesting, Money, Personal Finance, Planning, Savings, Wealth

Term Life Insurance Is My Choice!

January 15, 2012 by Justin

Term life insurance is my choice, should it be yours?  We all know that life insurance is important, so it is a matter of choice which one is right for you.  If you are young, healthy and expect to stay that way, term life insurance should be your choice.  Does that mean, whole life insurance is out?  No, but there are a few things to consider ...

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Filed Under: Managing Money Tagged With: Budget, Budgeting, Cash, Finance, financial decisions, financial literacy, Frugal Living, information, interesting, Personal Finance, Planning, Retirement, Savings, Stretching your Money

Rental Properties and Mortgages

January 14, 2012 by Justin

Now is the right time to buy rental properties or get a new mortgage.  The numbers make a lot of sense because everything changed in the last few years.  The housing bubble burst, many people can no longer afford to buy and interest rates cannot be any lower.  Is this a perfect storm?  Rental property is all about the numbers and the numbers look ...

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Filed Under: Investments Tagged With: Budget, Budgeting, Cash, debt, financial decisions, Frugal Living, Goal setting, Goals, information, interesting, Investing, Money, Personal Finance, Planning, Savings, Wealth

Budgeting Is Easy!

January 9, 2012 by Justin

I think budgeting is easy!  The traditional definition of a budget is an estimate of income and expenses for a set period of time.   A budget for me is a structure for achieving a financial goal.   It helps you track your income and how you spend your money.  My approach is to start with my financial goal and I make changes in my spending to ...

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Filed Under: Goals Tagged With: Budget, Budgeting, Cash, debt, financial decisions, financial literacy, frugal, Frugal Living, Goal setting, Goals, information, interesting, lifestyle, major purchases, Money, Personal Finance, Planning, Savings, Stretching your Money

Debt Is a Four Letter Word

January 8, 2012 by Justin

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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Filed Under: Lifestyle Tagged With: allowance, Budget, Cash, Credit cards, debt, financial decisions, financial literacy, Frugal Living, Goal setting, Goals, information, interesting, lifestyle, Money, Planning, Savings

Landlord Nightmares!

January 4, 2012 by Justin

Landlord nightmares, I lived through it or did I?  Everyone presumes that all landlords make a ton of money.  If you buy at the right time and get a low interest mortgage, you can make a lot of money.  If that is all there is to rental property, it would be easy!  Managing your business or investment is up to you!  Rental property is a business, ...

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Filed Under: Investments Tagged With: Budget, Budgeting, financial decisions, Goal setting, Goals, information, interesting, Money, spending, Wealth

My 2012 New Year’s Resolutions

January 2, 2012 by Justin

My 2012 New Year's Resolutions are really goals and I am very resolute to make them happen!  Many people make resolutions this time of year, but never hold themselves accountable.  Every year millions of people make new year's resolutions and less than 15% of them are accomplished!  What changes are you prepared to make to accomplish your ...

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Filed Under: Uncategorized Tagged With: Budget, financial decisions, Goal setting, interesting, lifestyle, Money, Planning, Savings

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