Cashflow restrictions
You and Market Research Big retailers and the companies who make the products they sell do marketing research to determine prices to sell their products. They are looking for the price point that allows them to make the most profit based on the current cost, without causing potential buyers, like you, to stop and consider […]
FOMO “Fear of missing out” is a common call to action these days. Whether it is a sale, a concert, a major sporting event, or sports betting, the clamor for participating can be intoxicating and lead to you considering the option to buy. Those ads are effective. But let the effect be on others who
Sit Still and Save Read More »
Hide the Debts Enron Corporation managed to look good on paper until the truth came out about inflated earnings and hidden debt, which led to their collapse in 2001. Most of us tend to ignore our debt. We just accept it as part of life. We assume we will always have enough income to pay
We Are Suckers Scammers are counting on our being gullible. We are suckers for a lot of reasons. We want to be rich. We want to protect our family and ourselves. We are prone to fall for the schemes founded on evil intentions. Evil intentions stem from gain founded on the loss to others. Most
The Anatomy of a Scam Read More »
Been There Being in debt beyond your ability to make payments is a horrible feeling! I know. I have experienced that. Unless you call to negotiate a way to reduce payments and get back on track, you will start to hear from bill collectors. Some are pleasant but most are trying to intimidate. I was
Know Your Rights with Debt Trouble and Collectors Read More »
No Room to Save I know too many people that struggle with making a living, let alone building a savings account. They claim there is no room to save in their budget, if they have one. Is that your situation as well? I want you to stop and consider why that is and how you
Debt Is Easy to Get If you have an income, you can get some kind of loan. However, eventually you will not be able to get a loan when you have trouble paying on the loans you have accumulated. Debt is easy until it is not! Then, what? That is the question you must ask
Debt Bad, Saving Good Read More »
Money On Hand Helps Occasionally, we meet people who either say or demonstrate something that impresses us. One such person, in my youth, was a neighbor that I observed with a different car in his drive. When I asked about it, he noted that he got a deal because he had cash in hand to
Music Harmony Whether it is a duet or a full choir, harmony can produce tones that fit together to create a soothing sound. I have attended a contest with barber shop quartets and enjoyed the variety of harmonic music! I bring this up because the family budget will never be successful unless there is cooperation
Family Harmony with Money Read More »
No Automatic in Personal Finance Sure, you can set up automatic payments for your spending commitments. But should you? Automatic payments are easy to forget. Can you control that? Your personal finance includes income, spending, and saving for investing. That requires your attention to maintain control. Recurring subscriptions are the biggest form of income for
Stop the Money Bleed and Get Uncomfortable with Debt Read More »