So, is the price of membership at Sam’s Club or BJ’s or Costco worth it? Do you really save enough to warrant spending that $40-50? The truth is, it depends on you.
It may be Halloween, but if you haven’t been saving money for your holiday season purchases, you’re really going to be in for a scare. The current economy has made planning and preparing before the “big day” oh so much more crucial.
I’m always amazed when I meet people who somehow manage to forget for the first ten months of the year that there’s this big expensive event coming in December. [Read more →]
Actually, it’s not rain that you need to be saving for. It’s the tire punctured by a nail in the road construction you drive through every day. Or the emergency trip to the vet for your pet. Or the plumber to fix the backed up toilet. Or the new prescription that might actually work but doesn’t have a generic option. Or… fill in the blank.
We as a nation do not save money. [Read more →]
In my “previous life” (read: first marriage and the subsequent divorce), I went down the road of lousy credit and all the stress that comes with it. I have since reformed my ways and now my credit is excellent. So now when someone asks me what I know about rebuilding credit, here’s what I tell them…
The best advice I’ve got on how to rebuild your credit is to
1. STOP DIGGING and learn to live within your means,
2. PAY OFF YOUR EXISTING DEBT and stop thinking you can borrow your way out of debt, and
3. CHANGE YOUR THINKING because credit does not equal money.
So many people don’t know how to handle their money. They bring home a paycheck and in a matter of days, they have no idea why they have no money left. They keep doing the same thing every month and don’t understand why nothing changes. If you’re one of them, I challenge you to make a change. Realize that money has to be managed and that “budget” is not a dirty word. Honestly, if you don’t know where your money is going, how can you expect it to get to the necessary destination?