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A Straight Talk on Debt
A Straight Talk on Debt
debt Management plan
Living on a fixed income
Money Talks Coach
Retired and Loving It
Straight Talk on Debt
How I Am Saving For Retirement
I am not an expert on 401k's but I thought I would explain how I have been saving for retirement. Please consult an expert before using my strategies. Maybe I can help you avoid some of the mistakes I made and can help you with some helpful tips. When I started my current job, about 27 years ago they...
Sat, Jun 29 2013
When I’m Sixty-Four . . .
I've written a few times about planning for the future , but usually that means sometime in the next year. That's about as far in advance as I can get most days. But what about the actual future - you know when I'm old and grey and ready to retire. I'm not yet 30, but my parents are both getting ready...
Tue, Jun 25 2013
Saving Money DURING Retirement
Most of us begin planning for retirement and setting aside funds for that time years before we actually retire. We worry about having enough money to take us through our retirement years and wonder HOW MUCH IS ENOUGH? Financial planners have varying ideas about how much is enough and most are happy to...
Mon, Jun 24 2013
Would You Pay a Fee to Use Your Credit Card?
I feel pretty comfortable in saying that the majority of us would say, "No way" to the question. However, unless you are carefully checking your receipts when you make a credit card purchase, you may be doing just that. If you are using credit cards or have just one credit card that you have held in...
Tue, Jun 11 2013
Retirement Planning While on a DMP? Yes You Can!
My wife and I have twice a week financial discussions; we're constantly looking for unnecessary things to cut from our spending, and looking for ways to do things cheaper has just become a way of life. Life is a continuous juggling act to match available funds to a need just at the right time, to ensure...
Wed, May 29 2013
Yes, You DO Need a Plan For Your Future
When I started my first "real" job almost 20 years ago, the concept of taking money out of my paycheck and putting it into a 401K account seemed absolutely ridiculous to me. My 21- year-old mindset was that I wanted every bit of the money that I had earned. Why should I even bother thinking about retirement...
Fri, May 24 2013
50+ And In Debt
According to a Demos’ 2012 National Survey collaborated with the AARP’s Public Policy Institute on Credit Card Debt of Low- and Middle-Income Households the 50+ crowd is carrying more credit card debt on average than younger people. The report shows that the 50+ crowd carried an average credit...
Thu, Feb 21 2013
Are Retirees Happy?
If you are a retiree, how would you answer that question as it pertains to you? What does being happy mean to you? Are you happy right now, today, or are you happy about your overall lifestyle? What makes you happy? These are questions that will have different answers from different people. Happiness...
Mon, Jul 16 2012
Retirement vs. Re-engagement: What Will You do With Your Second Life?
For many of us, our lives have been pre-designed; a template existence conforming to society's expectations of life's progression. This involves making a career choice at a young age so you can go to school for it (before you've even had a chance to understand the full spectrum of available careers)...
Thu, Jul 5 2012
Straight Talk on Debt: Join the Roth IRA Movement
This past Tuesday, Jeff Rose of Good Financial Cents launched the #RothIRAMovement. Why is this important to all of you and why should you be concerned? Because the average American has little or no money set aside for retirement and that is a BIG problem. Many of you are probably saying to yourselves...
Fri, Mar 30 2012
When the Going Gets Tough, the Tough Find Motivation to Keep Going
Keeping up the level of intensity necessary to pay off debt is exhausting. It's easy to surrender to frugal fatigue or quit altogether. But really, what does quitting or surrendering do? Yes, it provides a temporary relief but, once you're back on the wagon, you feel awful. Self-loathing sets in. You...
Tue, Mar 27 2012
Getting out of Debt is About More than Just Paying it Off
Do you think getting out of debt consists of just paying it off? It doesn't. There is much more to it than that. Anyone can pay off debt. Before we became debt free we did it more than a few times. It's why they call it the "cycle of debt". You pay a credit card off and instead of being happy because...
Sat, Mar 10 2012
Fight LGS (Lazy Guy / Girl Syndrome)
We were recently talking to a health care professional about my 10 year old daughter. We had some concerns about her development because sometimes she seems to not be able to do things she should be able to do. Thankfully there is nothing wrong except a lack of motivation. The doctor kept using that...
Fri, Mar 9 2012
Straight Talk on Debt: Financial Lessons for Young and Old
Yesterday I wrote a guest post @EnemyofDebt entitled, The Lost Subject: Personal Finance . The post brings to light the fact that personal finance education is still not being taught in most schools or at home. As a society we can continue to place blame, but who is really suffering? The unfortunate...
Fri, Feb 17 2012
Straight Talk on Debt: Stop the Cycle
Are you living paycheck to paycheck? Do you struggle with debt? Do you have any savings? If your answers to these questions are yes, yes, and no it's time to make some decisions and take charge of your financial life. This week after reading, " Paycheck To Paycheck Isn't A Life " from @wisdomjournal...
Fri, Aug 26 2011
Straight Talk on Debt: You Can Do This...Really!
This week our very own community member and blogger Travis Pizel was featured in an article by MSN Money, Shocking Money Drain? You Can Fix It! His story is one like millions of Americans who lived beyond their means and eventually had it catch up with them. Why has Travis been so successful in paying...
Fri, Mar 18 2011
Seniors in the Workforce
I have to tell you that I just love being a Senior in the workforce. When Hubby and I first retired and moved to Florida , I didn't work for 18 months because I had COBRA as my health insurance coverage. But after that ran out, I started to aggressively pursue a job that offered good health benefits...
Tue, Jan 25 2011
Straight Talk on Debt Weekly Reading: How Do you "Do" Personal Finance
The holidays are right around the corner and with the state of the economy; personal finance is top of mind for many of us. Everyone has a different approach to personal finance some are savers, some are frugalistas, some are investors, some are minimalists, and some like myself try to mix them all together...
Fri, Nov 5 2010
Financially Fit TV features: Retirement and the New Economy
The fourth episode of our new Web TV series: FinanciallyFitTV is here! The goal of this series is to provide tips on managing your finances, and to share interesting stories from prominent bloggers and industry insiders, as well as our very own Clarky Davis, The Debt Diva . Our fourth episode, Retirement...
Wed, Oct 27 2010
Straight Talk on Debt Weekly Reading: Retirement Edition October 15, 2010
Are you ready for retirement? Most people are not. In fact according to the latest census figures only one in every ten Americans today is financially prepared to retire when they reach age 65. Working people tend to think their retirement lifestyle will be better than their current lifestyle, but retirees...
Thu, Oct 14 2010
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