Cost Versus Value

May 4, 2011

Sometimes it pays off to shop for the cheapest price on a particular type of purchase, and sometimes the more expensive item is the way to go, and I will tell you why. It’s all about value.  Let’s take shoes, for example.  Now, I realize that since I am a male my feelings about shoes […]






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Food, Glorious Food

April 29, 2011

I had a client several years ago who was about to take a three week trip to Europe.  He did this every other year, using miles he had earned through his job in sales with a large company.  This guy was also quite frugal, and very detail oriented. He told me about his trip, and […]






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How to Make Your Lawn Really Green for Not a Lot of Green

April 25, 2011

I’m not a big time gardener, but I do know how to keep your grass green. I am probably like most homeowners.  I get flyers in the mail and on my porch or front door advertising lawn care services.  I don’t bother calling them for prices, because I know better.  One flyer from last week […]






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Respecting Your Money

April 21, 2011

I have a confession to make:  I find cheap people annoying.  Sometimes they are really annoying.  Now don’t get me wrong, I hate wasting money.  In fact, I am anti-waste in every category, whether it be money, food, clothing, gas, fares, time, or effort.  Wasting things is, well, a waste.  But being frugal is different […]






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Money Lessons are Best Learned at an Early Age

April 19, 2011

My son, Eric, dropped by my office on Friday to chat and say farewell.  He got a job selling home security systems door-to-door for the next four months or so.  He is starting his journey today, driving across the country to a new adventure, and a whole new life, temporarily at least. This is a […]






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Tips on Saving for Non-Savers

April 18, 2011

Some people can’t seem to save money.  No matter how much they try, or want to, they can’t seem to get that money into a savings account.  Are you one of those people?  Do you have good intentions and no results?  Here are a few tips that can help. Pay Yourself First If you spend […]






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Personal Budget, Part 3 – Crafting Your Budget

April 15, 2011

“One day Alice came to a fork in the road and saw a Cheshire cat in a tree. Which road do I take? she asked. Where do you want to go? was his response. I don’t know, Alice answered. Then, said the cat, it doesn’t matter.” ~Lewis Carroll, from Alice in Wonderland If you have […]






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Creating a Personal Budget, Part 2 – Analyzing your Current Situation

April 14, 2011

“You may ask yourself, ‘Well, how did I get here?’” ~Talking Heads In order to have progress in anything, two things have to be established.  Where you are, and where you want to go.  In terms of personal budgeting, it starts with where you are in terms of earning and spending.  How much money are […]






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Creating a Personal Budget, Part 1 – Why?

April 13, 2011

I’d love to take you out like I said I would, honey But there’s too much month at the end of the money This refrain from the country music song by Marty Stuart might just as well be a theme song for many people’s financial condition.  They write checks and use debit and credit cards, […]






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The Five Keys to Changing Your Relationship with Money – ADORE Your Money

September 10, 2010

There are five keys to changing your relationship with money.  The end result is that you ADORE your money.  You have a healthy relationship with it.  You treat it with respect.  You see the good it can do for you and your loved ones.  You are not afraid or intimidated by it.  You don’t waste […]






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