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Budgeting Tips

So, you’ve decided to create a budget, but how do you get started?  The first step is to determine your monthly income.  This is fairly easy for those of us with a salary.  It’s more difficult for independent contractors and the self-employed, whose...

New Year’s Resolutions

With the new year approaching, we are all making New Year’s resolutions.  Losing weight, controlling spending, improving relationships, all of these are worthy of our attention.  However, with the higher costs of gasoline and food and impending tax...
Christmas Shopping

Christmas Shopping

As I prepare to start my Christmas shopping, I look up in the top of my extra closet at all of the gifts of Christmas’s past, sitting there…waiting to be used.  It reminds me of the “Island of Misfit Toys” in Rudolph the Red Nosed Reindeer.  I have several...
Christmas Spending

Christmas Spending

With Christmas right around the corner, I thought this would be a great time to talk about Christmas spending.  We are all familiar with the typical advice: review last year’s expenses, prepare a budget, and avoid using credit cards.  Great advice; however,...