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.
I 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 »
August 24, 2017
I’ve got some crazy dreams for my life – let me tell you. I would love to travel more, have a little bigger house, buy a pick-up again, have a small sailboat, build a strip-built kayak, go back to school for a master’s….. oh, there is so much I could do.
If you can’t tell, I can easily be a spender. Even as a ‘certified consumer credit counselor’, spending money could easily become a regular habit for me. That’s why I always appreciate clients who specifically state ‘saving more money’ as one of their personal goals. And when they say it, I have to agree, that sounds like a good goal for me too. Yeah, sure. I want to save more money too. Read the rest of this entry »
June 8, 2017
As June is National Homeownership Month, we are doing a series of blog posts relating to home ownership. Each will have a different perspective, so stay tuned for more.
First, full disclosure. I teach our homebuyer education course. I have my real estate license. Even though my license is inactive, I am still involved in our local real estate association. I even teach the classes required to get your real estate license. Am I invested in that world? Yes.
I’ve been both a renter and home-owner. I currently own my own home and would have it no other way.
I am a big fan of home ownership. It is no secret.
I’ll also be the first one to tell you that home ownership is NOT for everyone. Read the rest of this entry »
May 25, 2017
Fidget Spinners. If you don’t know what they are, I’m pretty sure you’ve been living under a rock for the last several months. They’re everywhere. I’ve even seen photos on Facebook of women attaching mini spinners to their fingernails. Seriously. Having two kids of my own, yes the spinner craze has hit our house too. “But they’re, like, therapeutic.” “No, for most of you they’re just a toy.” Alas, we gave in. Not totally. After all, the first spinner was a bribe for good behavior. Hey, I’ll admit I’m not above bribery when it comes to children’s behavior. True to the American way, however, one is never enough. And I made a lesson of it. Read the rest of this entry »
May 11, 2017
“If only I made more money.” “Life would be so much easier 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 »
March 23, 2017
As I write this, I have to admit that things aren’t quite right in my world. My attention is wandering. My head feels like it is bouncing around like a balloon at the end of a string. The letters on my computer screen might even be dancing just a little for me. We can pick things up from our close friends and family like phrases, ticks, and habits. I’m blaming this one on my wife. My world is not right and it’s all HER fault! Read the rest of this entry »
February 9, 2017
What’s probably the top goal that I hear from people? They want to “save money”. Great….. so what does that mean? Spend less? Get better deals? Oh, no. They want more money in their savings account. I suppose you could say they want to be money hoarders. Now I’m not against having more money in savings, but I think, in most cases, they have the cart before the horse if you will.
So, what’s the one key thing to saving more money? The real lynch-pin? The keystone that holds it all up and together?
Spending. Read the rest of this entry »