Life insurance is cheap! For some reason many people think life insurance is expensive. Health insurance is expensive. Life insurance is not. Sure, if you are 65 years old then you are going to pay much more than a 25 year old. However, for most people cost should not be a reason to not have life insurance.
The net effect, however, is that one of our vehicles now sits in the garage all week long. I started to think of what we would save if we sold one of our vehicles.
In all of this, I encourage you to cast aside the words (and the thoughts behind them) that feed a negative or self-defeating worldview. Because as long as you stoke an unhealthy worldview, you'll never free yourself to be truly happy, peaceful, and productive. And you'll miss lots and lots of opportunities.
Welcome to Part 2 of my garden story. I promised I would share with you my adventures in canning and freezing my garden goodies to enjoy all year long. In the dead of winter, my family will be eating our delicious supply of home-canned fruits and vegetables
To add to our stress over Callie, my husband who was "courted" out of a good job at the beginning of this year, went to another company with lots of promises and potential. He was informed that in about 2 weeks his position is most likely going to be eliminated. Yep, don't see that rain cloud over me moving anytime soon
I started working my figures to find the best way to tackle my debt. Did I want to pay the lowest balance, the highest balance or the highest interest rate first? Remember no matter which creditor you choose to put any extra money towards will get you out of debt faster. I personally chose to tackle my highest interest rate card first, as I found it to benefit me the most in the end.
One of the biggest surprises in our marriage was the realization that we don't manage money the same way - and that we have different spending priorities. During the course of the last 11 years, I've learned 3 things about communicating with my partner when we have a financial disagreement:
Your body speaks volumes about you; the majority of communication takes place non-verbally and subconsciously.
Ever since we enrolled in the debt management plan, we constantly review our monthly expenses, looking for things that we can reduce or eliminate to give ourselves more breathing room in our budget, or to offset the ever-rising cost of living.
Now, not all of us can be funny like Richard Pryor was funny, and there's no sense in forcing it if you're not good at making a joke. But having a sense of humor about tough situations can make all the difference. Keeping things light, when it's appropriate, is sometimes just the thing to help you and those around you weather a storm.
One of my close friends was a compulsive shopper and overspent, racking up lots of consumer debt and slamming her credit score. She couldn't even co-sign when her son needed to take out a college loan. Now she is in her mid forties and she and her husband are concerned about retirement. They aren't sure when they'll have the funds to stop working.
This would mean really sitting down and re-working my meal plans. One thing that stood out was the meat category. Some days, we actually had meat at all three meals; I decided this was a good place to make changes. When meal planning, I will now intentionally have three meatless meals each week. This would be a savings in the meat category of twelve meatless meals per month.
I've been personally affected by debt for about 10 years now. At first, I thought it was something awesome that would let me take vacations and go out to dinner when I didn’t have the money, and if I payed the minimum, eventually I'd be debt free.
There is a high probability that you have been in debt or will be forced to go a few rounds in the ring with debt at some point in your life.
If you know divorce is imminent or maybe one of you has already filed; it’s time to get your financial house in order, starting with a budget.
We are constantly updating and improving our website; program management tools, educational resources and more, to give you every advantage.
I was on my way to India for a two-week business trip. Prior to leaving, we had done our budget and spending plan for the duration of my trip. Still recovering from July's overspending, we were on a strict budget.
The benefits of having your own vegetable garden are many. Produce picked fresh from your garden has far more (and better) flavor than the older produce you find at grocery stores. Vegetables picked fresh from your garden are far superior in vitamin and nutritional content. Every day that a vegetable is off the vine, it loses a significant portion of its nutritional benefits. Growing your own vegetables, fruit, and herbs in the garden ensures that no harmful chemicals or unsanitary growing conditions will affect your family's food and health.
I don't do it often, but when I do, it's big! I know I am not the only one to feel these same things, but I do know that sometimes people are afraid to speak up about it. I'm not afraid to talk about this, because the reality is, getting out of debt is hard. There are times that I just don't want to do it anymore.
I try to live my life with a positive attitude, but I can honestly say this journey out of debt really did challenge that attitude at times. It would be nice if we started our debt management plan and knew there would be no emergencies or struggles throughout the time we are getting out of debt.
This week we are reminded that debt holds us back from accomplishing our goals, taking on more debt only makes things worse and time tested tips to keep us on the straight and narrow.
But you will need for sure, for these important people in your life to understand what is going on with your financial life. Their understanding of your challenges will be helpful to your success.
Whether you're at a friend's party, business function, or networking event, there will always come a time when you have to "work a room". But you don't have to talk a big game or tell witty jokes. You don't even have to be interesting (despite the fact that you probably are).
Next were school supplies. I could barely look as my wife plugged the numbers into the calculator. The amount left was what we had for school clothes.
In addition to the blogs, be sure to check out the new CareOne Groups:
Are you finally out on your own and figuring out how to balance your finances? If so, this is the group for you. In Starting Out, you can talk about the challenges you are dealing with in a group of like-minded people.
Do you feel like you are finally understanding what being a "grown-up" is all about and are settling into your adult life? If so, this is the group for you. In Settling In you can connect with others who are just like you.
Struggling to balance all that an established lifestyle has to offer? The balancing it all group is for you. Discuss the challenges you face when your responsibilities at work, at home and with family and friends all compete for your attention.
Are you currently retired or planning on retiring very soon? If so, this is the group for you. Times have changed and so has retirement. Learn how others are redefining retirement.