Category: Budgeting

Remember To Take Care of Yourself

Prioritizing is an important part of budgeting and money management. There are several choices you have to make and steps you have to take. It’s up to you to decide which step to take first. It’s also up to you to decide whether or not to follow the steps and order laid out by an […]

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Money Messages

Why do you value money the way you do? Why do you view it like you do? What does money mean to you? Have you ever thought about that? Whether or not you have thought about it, each of us sees money differently. But they way we view, value, and define money is usually broken […]

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The Illusion of Wealth

According to Merriam-Webster, illusion is defined as a misleading image presented to the vision or something that deceives or misleads intellectually. When it comes to money, many people are portraying an illusion. They are portraying an image that they have a lot of money and that everything is financially OK with them. You could never tell by […]

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It’s Never Too Late To Change

Usually when I do financial education seminars or classes most of the attendees are over 40 years old unless the seminar is specifically for students and/or a young audience. I have nothing against the older attendees because the information I present is relevant for all age groups. However, I wish more young people would attend […]

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The Key to Success

There are several strategies to pay down and to pay off debt, to manage your money, and to save your money. There is “Debt Stacking”, “Snowballing”, “Envelope Method”, “Paying Yourself First”, and many more. All of these methods have successful accounts of people becoming debt free and/or financially free. However, I would dare to say […]

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Avoid Embarrassment

One of the reasons bank customers with checking accounts are willing to pay an average of $33 every time they have an overdraft is because they want to avoid embarrassment. Of course, average means that some Overdraft Fees are higher (as much as $39) and some are lower (around $25). Either way, that is a […]

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Budgeting is Not a Money Diet

Budgeting, Debt Reduction, Spending Tracking, Saving, or Income Protection. Where do I begin my Money Management journey? All of these areas are very important steps in the process. In fact, they are all topics that I teach and review during workshops, seminars, and one on one coaching. However, I would argue that none of these […]

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Check Registers vs. Online Banking Balance – How Much Money Do You Really Have?

Years ago I learned to do something that I would not appreciate until later. I learned how to use and to complete a check register. Unfortunately, learning how to use it did not help me to learn how to manage my money. It just let me know when I did not have any more money […]

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Real Financial Education

Just because I am an Ex-Banker it does not mean that I hate banking or bankers. I spent some of the best years of my life in banking and some of my best friends are bankers. (I love that I got to say that. LOL.)  However, I am also aware of some things related to […]

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