Confession Time

January 12, 2018

All right, I’m not even Catholic, but it’s time for a little confession.  In our department, we have committed an act of which we speak hesitantly in public.  We are all in on it and equally guilty.  We have high hopes and yet are quite unlikely to actually see any return.  Yes, we who are so focused on credit counseling and building financial stability, are all together in a lottery pool.

And WE’RE OK WITH THAT! Read the rest of this entry »

Dream Series – 5 Steps to A Black Christmas

November 2, 2017

Cheesy as it may be, it’s a tradition.  Sometime in the next two months you will hear it.  “IIIII’m dreaming……… of a whiiiiiite… Christmas….”  Come on now, everybody loves a little Bing Crosby at Christmas.  As sentimental as a white Christmas may be, there are a lot of people dreaming of a black Christmas too…… or rather, a Christmas in the black.

christmas-presentsI think most of us dream of making Christmas magical for those around us.  There are a lot of ways to do that.  It could be anything from waking Christmas morning to find stockings stuffed and a new toy train going around the Christmas tree to a new tradition of Christmas on a warm, sandy beach under a palm tree.  Either way or any in between, it’s probably going to cost you. Read the rest of this entry »

Dream Series – That New Ride

August 31, 2017

If you are anywhere NEAR my generation, you’ve watched “The Price is Right” more than once.  Maybe not an entire episode, but at least segments of it.  Come on, who can’t resist Plinko?!?  A close second to that level of excitement was when the announcer (Rod Roddy, if you are my era), was asked what’s behind the curtain.  “Well, Bob, it’s…… A NEW CAR!”  And everybody went wild.  The really good ones were when the contestant playing the game flat out ended up on the floor in excitement.  That’s some good entertainment right there. Read the rest of this entry »

6 Thoughts on Bankruptcy

May 19, 2017


Bankruptcy.  It’s a word that evokes a lot of differentgavel and scale emotions and responses.  “It’s a cheap way to get out of debt.”  “Or perhaps it’s the fresh start someone needs.”  “But if they hadn’t gotten themselves into debt in the first place.”  “Then again, they didn’t choose to get sick and end up with the medical bills they have.”  “I pay my bills so why can’t they?”  “I can’t pay my bills so what’s wrong with me?”

The comments could go back and forth for ever and certainly have since the advent of bankruptcy.  In reality, bankruptcy is not the right answer for everyone, but it may be the best option for some.  It’s not always an easy choice to make. Read the rest of this entry »

“If I Were A Rich Man…”

May 11, 2017

“If only I made more money.”  “Life would be so much easierEmpty Wallet if there was just more in my paycheck.”  “I would love to have enough to not have to worry about money.”  Let’s be honest.  We’ve all made these comments before.  Just like Tevye in “Fiddler on the Roof”.  He sang “If I were a rich man, Yubby dibby dibby dibby dibby dibby dibby dum.”  It all sounds great.  Unfortunately, every last one of them is a lie!  Read the rest of this entry »

What to Spend on Your New Home

April 20, 2017


Tired of renting?  Tired of the landlord?  Tired of the crazy neighbors doing who knows what and all kinds of hours?  Tired of nothing but white walls in your living space?  Tired of someone else parking in your parking space?  Tired of paying every month and getting nothing (except maybe part of your deposit) back when you move?  Perhaps it’s time to move out of your parents’ house…..

OK, so this probably isn’t your parents’ house anymore.  But it may still be time to move on.  Perhaps it’s time to look at buying your own home.  As our clients consider a home purchase, one of the most frightening issues they face is determining exactly how much they should spend on a home. Read the rest of this entry »

What You Are Really Paying For

January 24, 2017

Pop.  Soda.  Fizzy caffeinated goodness.  Whatever you call it, wecoke-in-a-glass go through a lot of it.  Have you ever paid attention to the cost of it?  More importantly, have you ever thought about why you pay so much extra for that one quick bottle? Read the rest of this entry »

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