Closets full of clothes – some that hadn’t been worn for at least a year . . . furniture that no longer fits your décor . . . household items that have been passed down from other family members – all taking up precious space somewhere in the house or storage unit. We love living […]
Seriously, retirement may not be in your best interest. And not everyone who retires loves the idea of not having to go to work, so why not take steps to a happy retirement. However, because right now you’re in the middle of a dreadful week . . . and the stress and long hours have […]
Wealth If you read my article on Goal Setting for 2014, you probably noticed that they are very broad. For example, my “Health” goal includes basic such as healthy eating, getting some sort of physical exercise into the daily routine, and being involved in a hobby or activity you love. What it does NOT mean […]
Goals-setting for 2014, a common practice this time of year. Most of us reflect on what we have accomplished the previous year and determine what we would accomplish in the next. Although many people go through the process of setting goals and then forget or completely dismiss them, sometimes the process is very helpful and productive. […]
In part one of this article, I wrote that many of us are not prepared for financial emergencies. According to Bankrate.com, “28 percent of Americans say they have no rainy-day fund” and 49% “don’t have enough emergency savings to cover three months’ worth of expenses.” In other words, even with the uncertainty in today’s murky financial […]
Most of us are familiar with the idea of saving money, it can be in a traditional savings or money market account for emergencies. This type of account can be used for unexpected expenses, or for expenses that cost more than we anticipated. Although it’s known for adding safety to our financial wellbeing, it’s an […]
Recently, I’ve had the privilege of guest posting on one of my favorite personal finance blogs, Budgetinginthefunstuff.com. I wrote about short term and long term savings and how my husband and I have used whole life insurance policies to fund some of our purchases over the years. Although whole life insurance isn’t usually considered a […]
The business of blogging is offering a positive impact on the personal finance model for many today. When one researches the term ‘personal finance’ on the internet, it comes up 727,000,000 times in .24 seconds! That’s not to say that all of these articles have the same information or even the same opinions – because they do not. Some […]
Would you like to get away, but don’t know how you can afford it? Is it one of those ideas that is planned haphazardly because of insufficient funds or a complete lack of funds? A family vacation is a great bonding time, and it is a time that will be cherished and remembered as some […]
Recently a friend of mine wrote that she’s concerned about her finances. Since we’d never really discussed the subject of her finances in any detail in the past, I wasn’t really aware of how the situation had become a very stressful situation for her. In her note, she had written that one of her biggest […]
Have you noticed, or is it just me, how many servers at restaurants are senior citizens? How about baggers at the local grocery store? Does it seem that more and more people of retirement age are working in the service industry than there used to be? It could just be my perception, but it appears […]
The economic environment seems to be undergoing significant changes, and the baby boomers are on the front lines. For that segment of the population, the outlook is increasingly challenging because there is less time to prepare for whatever’s coming. It is a certainty that we will all need to know how to navigate the road […]
Macroeconomics is a term used to describe the study of large-scale economic systems. The studies are focused on determining how different areas of the economy impact other areas of the economy. Although most of us are not macroeconomists, it is not difficult to perceive that many areas of our national economy are being challenged. Whole […]