How To Follow A Real Budget

Are you following an actual budget plan or reacting to a balance sheet?  Many people assume these are the same thing.  Some of the confusion might have to do with the fact that many banks offer online tools that arrange all of your account activity into pretty little spending categories.  Reviewing your account activity gives…
Read More

Is Prevention The Key To Financial Health?

For many years, healthcare has been moving to a preventative model to improve our over all health. As the saying goes, “an ounce of prevention is worth more than a pound of cure.” This is true for personal finance as well. The sooner you are able to identify an issue the more options you have…
Read More

5 Lies Your Mortgage Company Is Telling (or Not Telling) You

Most homeowners obviously experience increased stress and frustration with a mortgage delinquency, but far too much of the anxiety and stress is a direct result of trying to work with their lenders. Many homeowners tell the same story of a seemingly never-ending loop of document submissions, resubmissions, and re-resubmissions.  The frustrations are often compounded by…
Read More

How To Grocery Shop On A Budget

Do you love to cook? Eat healthy? Wish you did? Or absolutely hate it? Regardless of where you fall on the spectrum we all have to eat, which means eventually you will be heading to the grocery store. I love to cook, it helps me unwind, but lately I have found that my grocery bills…
Read More

WARNING: Do You Spend More Than You Think?

As a financial counselor, I work with people every day looking for ways to balance spending plans and income when money runs short. Only recently did it occur to me that all those numbers clients were tossing at me may not be truly accurate. Sure, I would question an expense if it sounded off, and…
Read More