I recently read an article on CNNMoney.com about some organic farmers who wanted to expand their farming business, but it meant taking on bank debt. Courtney Lowery Cowgill and her husband had a small organic farm specializing in vegetables, turkeys and ancient heritage grains in Conrad, Montana. ...
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Budgeting is Still a Waste of Time
Back by popular demand, Budgeting is still a waste of time! Last week, I wrote an article called “Budgeting Is a Waste of Time”! I offered some suggestions about analyzing your expenses. Look at every expense and answer my three questions to determine if you should make any changes. What additional expenses need analysis? ...
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Budgeting Is a Waste of Time
Budgeting is a waste of time!. To me, a budget is a list of planned income and expenses. It is a road map to achieve your financial goals. Most people look at a year’s worth of expenses and take an average and /or adjust for inflation and use it for their budget. Is that enough? ...
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If you won the Lottery, What Would You Do?
Every time I buy a lottery ticket, I play this mental game of what I would do if I won! I allow myself to fantasize for a couple of hours or a day, the few times I bought tickets. Lotteries draw many people, but few win. I don’t think I ever saw a rich person win. The background of many winners is generally hard working people or people with ...
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How to Start a Home Based Business
Are you looking for work? Do you have a skill that people want? Maybe now is the time to start a home based business. In many cases, it requires little or no money. What are you waiting for? What business should you start? Start with what you do well. Maybe you are new college graduate who would be a teacher, except no one is hiring. ...
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Why Teens Fail Financial Literacy Tests?
Teens admit to not knowing much about basic money skills, such as credit, investing and budgets, but what do they do? They are strongly influenced by their parents and friends. Is this positive? How do they spend their money? Do they save? Do they learn how to handle money responsibly? Where do I start? ...
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Holiday Budgeting
The Holidays will be here before you know it. It is almost like getting ready for a marathon! So prepare just like you are going to do a marathon. Marathons require preparation, practice and strategy. Your preparation is determining how much you will spend and creating your gift list. Retailers use sales and discounts to promote their products ...
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Halloween Budgeting
Do I need to budget for Halloween? Am I having a party? How many children do I expect to come to my house? Will I be there? Do I want to dress up for the children who come to my house? How scary should my costume be? Maybe I should dress up in vintage clothes and act like an old man! Oops! I am old and all my clothes are vintage! Let’s be ...
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How to Buy a Car
Buying a first car can be a scary experience! If you are like me, I knew a lot about the cars I liked. I could spot one of them at 50 yards. Buying a car requires much more! What is the right car for you? What is important in the car you purchase? How will the car be used? Do you need good gas mileage, room for 6, truck or a SUV? ...
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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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