For many of us, just the thought of the holidays brings on a level of stress. Finances may be tight, yet we do not want to disappoint family members, friends, or co-workers, by not giving gifts. We stretch ourselves to, and many times past, our holiday budget. Speaking of budgets, I read somewhere years ago, that the average holiday gift-purchasing
10) No matter your income, broke is a state of mind. Whether you make $5.00 per hour or $5000.00 per hour, handle your money, do not allow your money to handle you. 9) Give. Be generous with your time and your finances. Whether you teach a Sunday school class, give to your local little league, or contribute to your local
In the financial Services industry, at least here in The United States, there is a saying that ‘there is no free lunch!’ In other words you cannot get anything for free. Typically, if someone offers or gives you something, they want something in return even if they say they do not. This ingrained thought process, mentality, of ‘no free lunch’, is not necessarily
What I am about to say will seem harsh to some and true to others. We should be ready for the fiscal cliff whether or not it happens. As Americans we should be more financially prepared for whatever comes down the pike than we usually are. Unfortunately this type of thinking comes later in life after we have made most
Just when things seemed to be turning around for the markets, at least here in the U.S., the Dow–Dow Jones Industrials dropped sharply and closed down over 200 points a few days before this article was written. Depending on where and how your money is invested, you felt the down turn directly, or indirectly. In some cases, again due to in what
Just like many of us fight the seemingly uphill battle to remain physically fit, we must fight to remain financially fit. I have spoken on this subject before and I will speak on it in the future not only because part of the title of my blog is ‘finance’, but because financial fitness is important. Financial fitness does not mean we have
We all know how the current financial conditions have affected almost everyone in our country and around the world. People have lost jobs, homes, cars, and savings. Life looks bleak and for some there will be no way to recoup their losses, at least not to what they had before the financial nightmare happened. Most people believe the financial breakdown started in 2008 and I would agree,
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