Big Things in Little Boxes

November 1, 2018

You know the old adage – big things come in little boxes.  Perhaps it’s the key to your new car.  Or maybe a folded up $100 bill.  Or maybe it’s a diamond ring promising big things in the lifetime ahead.

That’s all great.  But today we’re going to flip that idea just a little.  If you’ve used a budget form before, you know there are usually little boxes next to each expense category and you fill in what you spend.  Some times you just know it’s going to be a large amount, like a house payment, medical bill, or car repair.  Other times it’s just a little thing that goes into those boxes.

Or is it? Read the rest of this entry »


The Seinfeld of Blog Posts – All About Nothing

October 4, 2018

I got nothing.  Today is my assigned blogging day for the week.  I’ve known it was coming.  I’ve had other stuff to do, but the blog has been in the back of my mind.  Usually I have at least an idea of what I’m going to write about.  But today I’m blank.  Empty.  I’ve even put everything off to the side to solely focus on my blog; I’ve really given it some thought.   And yet here I sit, writing to you about how I don’t have anything to write about.

So, I guess…..let’s pull the old Jerry Seinfeld and do a blog about nothing and maybe talk about money while we do it.  Ready?  Here we go.  Read the rest of this entry »


Cardiac and Hernia in the Same Week

August 6, 2018

That’s right, it was Cardiac and Hernia in the same week…. and I LOVED IT!  camp1No, it wasn’t health issues, although it certainly could have led there were I not in at least the middling shape that I am.  No, Cardiac and Hernia are two particular hiking trails at our local Boy Scout Camp.  Covering about ¼ mile distance, they also cover 200 feet of elevation change.  And my son and I covered it up to 4 times a day as a part of the Webelos Camp that we attended together.

Have you looked at the cost of attending camp lately?  For the two of us to attend a three-night camp was $170 plus time off, gas to get there and back, meals along the way, and of course ice cream after one particularly brutal day of activity.  Perhaps that cost is where the cardiac and hernia come in.  But the frugal person (miser) that I am, I don’t feel bad at all about the cost of the camp.  It all comes down to opportunity cost. Read the rest of this entry »


Food – Gotta Have It. Or Do You?

June 7, 2018

Food.  It’s a need.  In all of the classes I have done in which I ask what a need is, food ALWAYS comes up.  There’s never been any debate that food is a need.  Unfortunately, defining a need isn’t always that easy.  Can you live on ramen noodles?  Do you need meat?  Canned or fresh veggies?  Just easier to go out or order in?  We have a lot more choices to make than food just being a need or want.

This week, in two separate classes, I had two different comments from clients that I thought worth sharing.   Read the rest of this entry »


The Secret to Saving Money

February 9, 2017

What’s probably the top goal that I hear from people?  woman-with-cashThey 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 »


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 »


The Reality of What Credit Counseling Really Is

November 30, 2015

I’m often asked exactly what we do when people come in for credit counseling.  Unfortunately, few enough people have been to a credit counselor that it is a very legitimate question. angry businessman So here’s the answer: we dig through all of your history (business, personal, and otherwise), point out every mistake that you’ve made, belittle you for those mistakes, paint a pretty hopeless picture for your future, and then lecture your children on how they should never turn out like you because of what you have done financially.

Sound like fun?  Now that we have all of those misconceptions out of the way, let’s talk about what credit counseling is really like…..

Read the rest of this entry »


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