Archive for the 'Budget' Category

 Five Gas Saving Tips
to Avoid Pain at the Pump

By Mark Foster This month the cost of gasoline is expected to be about 20 cents a gallon higher than last year, AAA predicts. The higher that fuel costs are the more it takes a bite out of a family’s vacation plans or their overall budget. The reality of the high cost of gasoline is [...]



 Creating a Plan for Holiday Spending

By Jana Castanon No, it can’t be! Just as we are packing away summer’s paraphernalia, retail stores are bulldozing ahead making sure we are aware that the holidays are coming. Halloween will be here in no time with Thanksgiving and the holiday season not far behind.  But is your pocketbook ready?  Before the hustle and [...]



 Budgeting 1-2-3

 By Mark Foster So you want to create a budget? That’s great! But slow down, there. Make sure to follow the three steps of budgeting. We often hear people talk about either skipping the first or second step, or both. Skipping either step can result in a broken budget. Step 1 – Create some financial [...]



 Money-Saving Tips for­­­ Post Grads

By Carla Blair Going to school takes a lot of hard work and dedication, but it also takes a lot of money. It’s easy to forget that while you are going to school and applying for loans to help you get by, you should also be thinking about how to pay that debt off. Here are [...]



 Poll Reveals Consumers Confused
Over Purpose of a Budget

 By Gail Cunningham A recent poll on the NFCC website revealed that 57 percent of respondents misunderstand the purpose of a budget, viewing it as a restriction on their spending, when in fact, just the opposite is true. A budget actually provides the structure through which a person can be in charge of his or her spending, [...]



 When to Say No: A Parent’s Guide
to Giving Adult Children Money

By Barb Miller When I work with clients who give money to their adult children I am always curious why. Since preparing a comprehensive budget is part of the counseling process, the topic often comes up. The adult child may still be living at home, or recently returned to the parents’ household. Or, parents may [...]



 Are You Due For a Financial Spring Cleaning?
Five Tips for a Fresh Perspective!

By Mary McKeague Most of us tend to get at least a small dose of the blues over the long winter months, and sometimes, your finances can suffer neglect as a result. Symptoms of financial neglect might include: • Several months’ worth of unopened bills and mail scattered around your home. • You have not filed your [...]



 A Debt Free Retirement

By Mark Foster When people think of retirement planning, there is one factor that is often overlooked – becoming debt free. But becoming debt free is one of the best things that you can do for your eventual retirement. The average monthly Social Security check is approximately $1,250. Imagine trying to live on that amount. [...]



 Debt Management Starts
With Changing Your Behavior

By Lauralynn Schueckler Do you find yourself deep in debt? Have you enrolled or experimented with any debt settlement programs, but that just left you worse off than before? Are you tired of worrying about money every month? If so, you are not alone. Millions of Americans find themselves in a similar situation every single [...]



 Ten Cheap Date Night Ideas

By Malcolm Johannessen Living paycheck to paycheck with no real relief in sight is a reality for many people in this distressed economy. Mortgage, kids, and gas all come before fun when payday arrives. It can be hard to find entertainment money, but everyone needs to get out once in a while. Here are ten [...]