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There are some people who save their money to save it. They are the ones who can never have an emergency account too big. When asked what they are saving for, the answer will inevitably sound like something along the lines of, “Just in case.” They may never know what “just in case could be,…

It’s amazing how much easier it is to manage your finances now than it was, say, 20 years ago. Even longer ago than that, before computer spreadsheets made life easier, fewer people were willing to scratch out a personal spending plan on paper with a pencil. Nowadays, the only paper copies of spending plans you’ll…

It’s amazing how much easier it is to manage your finances now than it was, say, 20 years ago. Even longer ago than that, before computer spreadsheets made life easier, fewer people were willing to scratch out a personal spending plan on paper with a pencil. Nowadays, the only paper copies of spending plans you’ll…

What is the first thing anyone tells you when you talk about starting a life on your own, getting a new job, or pretty much anything involving a change in your financial situation? “Make sure you have a spending plan.” These are more than just words, whether you find them encouraging or not. A spending…

There are two kinds of people: those who prepare ahead for the holidays, and those who wait until the last minute. Sometimes you can find a little in-between area, but not often. When you break it down, you will likely find that many in the procrastinating crowd realize that the first group experiences less stress…

Every time you drive through that neighborhood on your way home from work, the apartment you walk into seems so small. You look closer at the houses you pass by, and they seem perfect. Even when you are visiting friends’ homes, you wonder how they can afford to live in a house as big as…

Whether you’re in your teens or nearing retirement, it’s never the wrong time to start taking control of your financial future. Of course, the sooner you start, the better off you’ll be later in life. Just realize this: If you don’t take control now, your finances will always control you. Facing your financial planning with…

Over four million women aged 65 and older in America today are living in poverty. That translates to a yearly income at or below $11,756. At less than $1000 per month, money is stretched thin as can be for these women. Groceries alone account for 26% of their monthly expenses, and Medicare average costs (for this example, Part…

As a working adult in your forties, you might feel life is all set, and you’re right on track for a happy retirement. After all, you have been contributing to your 401k since the day you first started working. What else could there be left to do? Plenty. Even if you have a retirement portfolio,…

As medicine improves and life expectancy increases, the concept of retirement has changed. No longer are senior adults content with resting once they reach retirement age. No, these people who have worked so hard all their lives now want to take the time to enjoy things, to travel, to pursue their passions. Even in your…