I’m sure you get tons of credit card offers in the mail just like me. They all come with tempting offers of low interest rates and no annual fees. I even am convinced to take some of them out of the envelope and read them. Ultimately, I decide against most of them. If you are having trouble “just saying no,” here are some suggestions you might want to think about… Continue reading

After all the positive feedback I’ve gotten on my series on budgeting, I wanted to extend more tips to you. My last post involved ways of reducing your expenses—but there are a few more ways to spend a little less money in your day to day life.

Real estate tax reductions-Many states have a program to reduce your real estate tax if you are facing financial hardship… Continue reading

Now that you have increased your income as best you can, it is time to face the music and reduce your expenses. If you really want your budget to work, you’ve got to understand what will work for you. I have suggested some ideas for trimming your spending—but the decision is ultimately up to you.

Shopping is a dangerous activity for the chronic over-spender or the impulse… Continue reading

Hopefully, after reading my segment on budgeting, you have at least thought about how a budget could help you. If you have or you haven’t, today I’m going to help you make your budget all that it can be. This may even be a topic you enjoy reading about: Options for increasing your income. There is help that is built into the government for those who have fallen… Continue reading

Having trouble developing a budget? You’re not alone. Millions of Americans try to handle their finances without listing their expenses—and get into trouble. A budget helps you establish your options, see what exactly you are spending money on, and see what you will be able to afford.

Start with a list of your total income. Include income from your job after taxes, alimony, child support, benefits, pensions, etc. Any… Continue reading