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Protect Your Spouse in Your Financial Plan from Claims of Creditors In Marital Money Matters, It Really Helps if You Work Together I read lots of posts, messages, and comments on financial planning blogs and forums in which one spouse complains that the other has various money maladies, from being a tightwad to a spendthrift. Naturally, the inclination of the complaining......
Finding a budget that works So Many Choices by: dewayne.brooks When my wife and I started following a budget more than a year ago, I decided to use something straight forward and simple, a spreadsheet. I had used Quicken in the past and found it too difficult and frustrating. I needed something that would......

Posted in Budget, Budgeting, finance, marriage | No Comments »

Family Finance: Top Mistakes Young Families Make

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July 27th, 2010 By: Richard

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Singles finance and family finance differ quite a bit. I’ve learned that well over the past 5 1/2 years (our oldest child is now 5 1/2). My personal experience has shown there are more spending pressures and overall expenses when you have a young family. Examples include birthday parties, swim lessons, dance lessons, clothes, toys, doctor’s visits for runny noses and coughs, camps and trips to the ice cream shop. Read more... (996 words, 11 images, estimated 3:59 mins reading time)

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The seven roads to financial ruin and how to avoid driving on them. So, perusing my usual financial sites this morning, I came across this article titled "7 roads to financial ruin". Now that's a title! Upon reading the article, I found it to have some things that I am sure everyone already knows, but she went into great depth on each of......
Financial Literacy: Learn About Money, Boost Your Finances April is Financial Literacy month. So today, we are highlighting some thoughts on financial literary from Todd S. CFP. The question we ask: how do you get a financial education? Financial Literacy: Learn About Money, Boost Your Finances Personal savings rates are dismally low (not to mention the savings account......

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A Small Business Wonder: Review Of OutRight.com

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July 26th, 2010 By: Richard

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If you have a small business, the last thing you want to do is focus on accounting. Instead, you probably would rather focus on your work – what you love to do for a living! Accounting has been one of those business tasks that usually gets put on the back-burner.

For those of us who dread accounting on our small business financials, OutRight.com aims to ease the pain. I’ve been trying out this free service for a few months, and I can tell you that it is truly remarkable for the price. Their trademark is “free yourself from accounting,” and that it does. Read more... (819 words, 11 images, estimated 3:17 mins reading time)

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Sugar Bowl Ski Resort, Norden, CA Sugar Bowl Ski Resort is located in: Norden, CA Phone: (530) 426-9000 Website: http://www.sugarbowl.com/home About the Resort: Sugar Bowl Ski Resort is easily one of the most popular resorts in this area of California. There are more than four peaks and plenty of opportunities for skiers of every level. There......
Quicken 2010 Review - Home & Business Review I won’t lie, I am a Mint user. I love Mint’s simplicity, functionality, and, well, prettiness. There, I said it. However, I wanted to see what all of the Quicken hype is about. And not to mention, I got it for free from work as part of a drive towards......

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There Are Times When Your Finances Take A Back Seat. Be Prepared With A Contingency Plan

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July 8th, 2010 By: Richard

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Just over one week ago we had our first child, little Carter John. Ever since the day he was born, we have been focusing only on the baby – feeding him, changing his diapers, getting used to his schedule – and trying to stay sane.

One thing we’ve learned in the past week is just how un-important things like money and finances can feel at a time like this. They seem to fade into the background along with everything else, and you begin to forget that bills will even need to be paid. It can be easy to let things slide. Read more... (673 words, 11 images, estimated 2:42 mins reading time)

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Free Bill Optimization Giveaway! I absolutely hate to see people wasting money on phone, Internet, and cable bills. It drives me crazy when people pay extra for features they don't use or have 3 text message plans on the account for $15 each when a $30 one would make texts unlimited for the whole......
Yankees owner George Steinbrenner dies at 80 [/caption] NEW YORK —George Steinbrenner, who rebuilt the New York Yankees into a sports empire with a mix of bluster and big bucks that polarized fans all across America, died Tuesday. He had just celebrated his 80th birthday July 4. Steinbrenner had a heart attack, was taken to St. Joseph’s......

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3 Ways To Trick Yourself Into Saving Money

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July 6th, 2010 By: Richard

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I don’t know about you, but sometimes I have a difficult time saving money. If the cash is there, it ends up getting spent! For those of us who need new ways of saving money, here are some great tips on saving more money than we thought possible.

It’s All About Habits

Before we get into some specific ways of saving money, I think it is important to recognize that our habits usually determine the end result. What does that mean? It means that if we want to get down to the root of our spending issue, we have to address our habits. Those things that we do habitually can make us or break us. Read more... (750 words, 11 images, estimated 3:00 mins reading time)

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GMAC Bank’s Money Market Savings Account Review GMAC (General Motors Acceptance Corporation) is the financial services arm of General Motors. GMAC Bank along with other sister companies are all subdivisions of ResCap Holding. Currently the company has 39,000 employees and revenues of $19.2 billion annually. The company GMAC Bank itself was established in 2001. With all of......
Eliminate expenses that have no relevance anymore Getting a bolstered emergency fund is a great idea now.Â (It usually is, but now especially.)Â One way to get to a decent cushion is to spend less so that the extra can go into savings. Many kinds of expenses can be cut, but the easiest ones to eliminate are......

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What Is The Best Way To Save For A New Child?

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June 21st, 2010 By: Richard

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Well congratulations if you’ve recently found out you’re expecting to have a child! Assuming you’re having a child for the first time you may not know what expenses to expect or how to save for your child. That’s okay. Having children does impact your wallet, but it’s well worth it. Children are a blessing and as you pay for your little one you won’t think anything of the expenses as long as you’ve done some planning and preparation and spend smart. Read more... (1124 words, 11 images, estimated 4:30 mins reading time)

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Save More Money – Buy Less Well duh! That sounds simple, right? Well to most people is seems logical that to save more money you need to spend less money but how many people can honestly say they don't get suckered even a little bit when they go to the store. With the promotional deals, the......
Tips and Tricks for Budgeting Many people think that the budgeting process has to be complicated in order for it to be effective but the truth is actually quite the contrary. Once you know what the basics are when it comes to starting a budget and managing your budget, there is nothing that has to......

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3 Steps To Easily Pay Your Bills On Time

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June 7th, 2010 By: Richard

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Upon contemplating how to implement our first budget, I ran into an inevitable problem: how to cash flow monthly expenditures. Having worked in retail for large corporations, I understood that other people had a similar problem. When it came time to pay their bill, some would say, “Well, I don’t get paid until Friday. Can I make partial payments?” I had to find a way to avoid this problem and stay current with all of our bills. Read more... (742 words, 11 images, estimated 2:58 mins reading time)

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Tips For Budgeting When You Are Self-Employed. I have been self-employed for almost 4 years now, and let me tell you - budgeting can be very difficult when your income is sporadic at best! Some months I make more than others and some I get paid right on time, so budgeting during those times is easy as......
Seven Secrets to Financial Independence One could probably build a small library for the books written on the subject of financial independence. It's a subject many of us like to fantasize about, but few of us will see materialize in our lifetimes. Why? Mostly because we allow competing priorities, egos and financial peer pressure dictate......

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8 Things Every High School Graduate Must Know About Money

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May 18th, 2010 By: Richard

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I once wrote (well, more than once) an article that got some negative criticism. The article was called How To Write A Check And Other Checkbook Basics. I found out that a lot of people graduating high school didn’t know how to write a check, so I wrote an article on the topic. There was some criticism that the post was so basic that it was useless. But, the truth is so many teens don’t know how to write a check. Our financial education for young people needs to start with some very basic lessons. Read more... (958 words, 11 images, estimated 3:50 mins reading time)

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5 Ways Being Lazy With My Money Got Me Into Debt This is a guest post from Iâve Paid For This Twice Alreadyâ¦. I encourage you to subscribe to her RSS feed. First, just let me say that I believe in the Lazy Man philosophy as espoused by this blog. I would love to make my money work so I don't......
Things to Avoid: Debt in Retirement! "You're saying that you're all washed up Got nothing else to give Seems like you never figured out How long you have to live" - The Traveling Wilburys I've shied away from Dave Ramsey. I've seen some blogs talking about him, and seen his multitude of books in passing......

Posted in Budget, Credit Card, Education, Investing, Planning, college | No Comments »

Doing A Zero Based Budget Will Lead To Found Money

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May 6th, 2010 By: Richard

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Over the past couple of years the economy has been in a tailspin. With double digit unemployment, people are having a hard time finding jobs, and not many people (beyond government workers) have been seeing their incomes increase. Because times are tough most people are having to be more creative in looking for places to trim the fat, create new side incomes and keep their head above water.

What if I were to tell you, however, that most people could easily give themselves a raise without having an increase in income? Here’s how it can be done. Read more... (959 words, 11 images, estimated 3:50 mins reading time)

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Learning How to Make a Budget For many of us, spending comes all too easily and before long, we find ourselves at the bottom of a very big debt hole. However, there are ways that anyone can make a budget and start planning for their future. You may not even need to make drastic changes right......
Raise Update (part 2) The time was right for a talk with the boss man today and I have to say that the initial reaction seemed quite positive. I didn't particularly go after any specific numbers, but I should find out tomorrow how much the gap is going to close between what I could......

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How To Analyze Your Budget And Spending Decisions

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May 5th, 2010 By: Richard

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I love helping people with their finances. It’s a passion of mine as you can see with the One Money Design tagline – helping people achieve true financial freedom. Money Map coaching involves walking with people through a Biblical financial study and helping them use practical financial tools for their finances (such as setting up a spending plan (budget)).

Often people seek help because they can’t make debt payments, they can’t stop using credit cards, they’re tired of living month to month, or they think there just isn’t enough money every month to meet their needs. Read more... (1192 words, 11 images, estimated 4:46 mins reading time)

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