Budget, Financial Goals


There are several ways to create goals but one of the best ways is to use the SMART method.   It allows you to create manageable goals that can be broken down into actionable steps. So what does SMART stand for? Specific – What exactly what is to be done with the money involved? Measurable… Read More SMART

Budget, Financial Goals


When it comes to a budget, I truly believe that the simpler you can keep it the better. Many times people seem to overcomplicate and get overwhelmed when looking at spreadsheets and graphs. While there is software that is meant to make things easy to manage, I find that it is best to use paper… Read More 50-20-30

Budget, Credit, Debt, loans

Auto financing 101

Did you know the average car payment is about $500 month? That the average car loan is for $30,000? And the average loan term is over 5 years? Those statistics can easily be found online but those figures are pretty disconcerting. There are many (MANY) articles (not even kidding – Google it) that suggest that… Read More Auto financing 101

Budget, Giving, Gratitude

A beautiful thought

Ralph Marston wrote, “Every time you interact with someone else, you have the opportunity to give that person some kind of value. Whether it is a thing, or a thought, a gesture or a kind word, the most powerful gifts are those that come straight from the heart.” Isn’t that a beautiful thought? And it’s… Read More A beautiful thought


It’s complicated

Many times people fail to create a budget simply because they don’t understand the importance of having one and because they feel it’s overly complicated.  Creating a budget doesn’t have to be complicated though.  In fact, it can be very simple.   You need to know what a budget does first.  And a budget has… Read More It’s complicated