How to Improve Your Budget

Everyone who has been budgeting for a while knows that the perfect technique with budgeting isn’t developed over night. It’s more of a process than people often like to admit. Sure, budgeting may sound simple when we talk about it, but it’s much more complex. It’s not merely a step 1, step 2, and step 3. If budgeting were that simple, we’d all be set for retirement and not be struggling with money because that is what a perfect budget offers: flexibility to buy what you want and enough savings to live off of.Continue Reading

The Debt Problem: Your Financial Worries, and How to Fix Them

Everyone worries. Even the most optimistic person has worries — most likely that people think they’re too optimistic. If not careful, these worries can fill people’s heads, leaving little space to figure out how to correct their ongoing issues. You also have worries — mostly in the financial category. With a young family which seems to need more every week, your worries morph into apocalyptic scenarios where you’re all out on the street, or the bank is hammering a Foreclosure sign on your home, or one of your children needs emergency surgery or dental work. And when you review your checking account, you worry how you’ll ever get out of the mess you made when you started said young family, as now you’re in a bundle of debt.Continue Reading

Starting a Young Family: Are you ready?

Planning a family is exciting. Beside the actual, um, creation of the children, there’re thoughts about having a boy or girl, how you’ll educate them, what they’ll be when they grow up, and how they’ll provide for you when you’re old and grey. They’re great topics; however, in many cases they crowd out the most important question for you and your partner … Are you ready to start a family?Continue Reading

Be a financial hero for your family

Superheroes are cool. No matter how young or old your are, watching a movie or television show featuring your favorite character is still a thrill. Many of these heroes seem perfect to everyone, from their morals to the way they comb their hair. They don’t take out unneeded bank loans or sign up for credit cards. For if they did, their hero status could be tarnished.Continue Reading

It’s Electric: Can an electric car actually save money?

As of this writing, many places across the U.S. are experiencing low gas prices not seen since before the Great Recession. A gallon of gas hovers between $2.15 and $2.50, and this makes for happier drivers. Throw in discounts from coupons or supermarket cards, and those with small-tank cars can fill up for around $25 or $30. A far cry from the $50 or $60 they paid at the same time last year.Continue Reading

How to Home School Your Children on a Budget

Today, more and more families are pulling their children out of the public school system and teaching them at home. Studies show that home schooling gives more attention to the children, allowing them to learn more things faster. You’ll find a lot of early-start and home-schoolers graduating before they’re allowed to drive. A lot of parent’s think that home schooling is too expensive or requires a lot of their time, but if you strategize correctly, both of these issues are non-existent.Continue Reading