Tag: Money Management

Beware Of Temptation and Keep Up The Good Work!

Do pre-qualifications and loan offers excite you? Do they make you feel validated? Do they give you a sense of worthiness? Be careful! If you don’t need a credit card or loan, then don’t apply for it. You are already worthy! Usually, you are getting the pre-approvals or pre-qualifications because you have put in the […]

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Money: Sweet Dreams or Scary Nightmare?

The Book of Genesis in The Bible is full of important stories. Recently, I began to think about one story in particular and how it relates to finances and money management. Many of us are familiar with the story of Joseph, “The Dreamer”, from Sunday School. Others became acquainted with the story via the DreamWorks […]

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No NSF Fees Does Not Change Much

Some banks cancelled or reduced Non Sufficient Funds (NSF) Fees and many account holders are very happy about this change. Why would banks cancel such profitable fees? Did they get a change of heart and decide to help struggling checking account customers? Not exactly. Other banks with less overhead expenses are not charging NSF Fees, […]

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Payday?! What’s Your Plan?

  Is today is payday for you? Payday means different things for everyone, including an instant deduction and reduction because of NSF Fees. For some it means getting caught up on late bills. For others it means splurging because they have been living on next to nothing for the past few days. While for others […]

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Asked For A Favor? Don’t Do It!

We all have had family and/or friends ask for favors related to money. They ask because they know that you are responsible with your money. Or at least you have more money than they do. One of the most common favors is to ask to borrow money…with a promise of quick repayment. You decide whether […]

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Change and Mindset are Partners for Success with Money

We have often heard that change is constant. Everything changes but not always when we would like it to change. When it comes to money, many of us realize that something has to change so we can get more and/or keep more of our money. The most important thing that has to change is our […]

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The Beginning of the End of Your Money Problems

Problems. We all have problems. Many of us know what it’s like to have money problems. Often, money problems are caused by lack of financial education, overspending, over use of credit, lack of savings, impulsive spending, gambling and other forms of money mismanagement  Having problems is not the issue. What matters is what we do […]

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Planning Helps To Take The Pain Out Of Spending

Impulsive spending is buying something without previously planning to make that purchase. How many times have you gone into a store with one item in mind but left the store with something or somethings completely different? And it ended up costing a lot more. The result is usually that you just increased your credit card […]

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Wait And Win With Your Money

Waiting is not something a lot of people like to do. We live in a world where most people want things right now. And in most cases they can get what they want right now. However, just because you can get it now does not mean that it is always best for you. Especially, when […]

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Pawn Shops, Watches, and Christmas

Everyone has a story. Here is one of mine. What do pawn shops, watches, and Christmas have to do with each other? Let me tell you. Right before my 24th birthday in December 1989 I had a wife, we had a new born daughter, and we were broke. Finances are very personal and can cause […]

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