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 income typically fluctuates from month to month.  If you are self-employed, you Read more about Budgeting Tips[…]

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 increases, it’s more important than ever to manage our personal money. For those of us who rely Read more about New Year’s Resolutions[…]

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, it leaves out one crucial factor…emotions. Emotions affect our spending more than we Read more about Christmas spending[…]