It was a beautiful sunny day at Stinson Beach. The temperature was perfect, and the water was inviting. Unfortunately, you ignored the rip tide warning signs. It was not until you were being swiftly pulled away from shore that you realized that you were in danger. Lucky for you there was a lifeguard on duty.
That beach experience reminds me of what my budget clients’ experiences before they find me, their financial lifeguard. It has all the same components: denial, fear, a sense of a loss of control, and helplessness. READ MORE
When I saw a long list of senior discounts that began at age 50, I was intrigued. I am always on the hunt for opportunities to make your money work harder. READ MORE
Everyone loves a deal, but did you know there’s a way to save on some of the very items in our budgets that we consider splurges. Well, now there’s a particularly easy way to buy discounted tickets for a wide variety of events online, READ MORE
I know, I know….you’re locked into a contract. Well, that won’t last forever; and then you have some choices. Of course, you can pick out the latest phone and start another two-year contract. Or you may also want to consider how much you’re paying for that “free” phone. You might want to take a look at your cell phone and consider how you’re using it. READ MORE
What’s better than saving money on a $1,000 purchase? Saving on a $1,000 purchase you make year after year. For me, and most likely, a good portion of our aging population, prescription drugs is just such an expense, so I was especially excited to hear that there are websites that will tell me what local pharmacy has the lowest price for a prescription. READ MORE
That seems like a question with an obvious answer, right? You refinance when the interest rate on the new loan is lower than your rate on the current loan. But how much lower? And is it really as simple as subtracting one rate from another and signing on the dotted line? READ MORE
While your goal to spend less money may seem impossible, this worthwhile goal could become a little easier when broken down into small steps.
For example — why not take a small step into the bathroom. READ MORE