How to Get Out of Debt After a Long Layoff

There’s much in the financial news and written on personal finance blogs about how to get out of debt. Cut this expense…lower that cost…clip coupons…and in X number of years you’ll be debt free! For many, this type of trimming at the edges may be all that’s needed to reach debt freedom. But what if […]

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What’s Your Financial Style – Fixed Lifestyle or…Life?

Do you ever feel that you earn a pretty decent living, but at the end of the week, month or year, there just isn’t much to show for it? You have a good job, a nice home, a good car and the overall trappings of middle class life in the 21st Century. But it seems […]

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Are You REALLY Saving Enough Money to Retire?

If you’re an average, middle class individual or couple, chances are you aren’t saving nearly enough to provide a comfortable retirement for yourself. If you doubt it, play around with a retirement calculator. I did some experimenting with Kiplinger’s Retirement Savings Calculator, plugging in some scenarios to see what turns up. I have to report […]

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Are You Preparing For the Next Economic Recession?

We find ourselves in one of those peculiar times when it’s anyone’s guess which way the economic winds are blowing. The media is doing little to untangle the confusion. Last week Yahoo! Finance reported that the economy may be dangling on the edge of another downward plunge in 5 Doomsday Scenarios for the U.S. Economy. […]

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Are You Throwing Away or Wasting Food Needlessly?

Looking to save money where ever possible, many people will spend hours or even days searching out the best deals on cell phone service, the lowest rates on credit cards or working on ways to make their homes more energy efficient. But perhaps because we’re blessed with an over abundance of food, many of the […]

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Why a House or Mortgage Payment Should NEVER Own You

I’m a strong proponent of buying beneath your means when buying a home, but never more so than right now. A few days ago we were hit with the stunning news that existing housing sales plunged 27% in July, a huge hit to a market that’s been reeling from weakness for the past three years. […]

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Love or Money – Which Do You Work For?

Is it better to work for money or for love of craft? There was a time when I believed it was perfectly noble to pursue a career mainly for money, but life’s experience has changed that belief. Anything you’ll put in as much time as you will a career needs to be spent doing something […]

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The Best and Least Expensive Kids Birthday Party Idea

When I was a kid, a birthday party was having friends over to your house, with cake and ice cream, balloons, hats, presents and—if you were big time—a piñata. Sometimes a sleepover followed, sometimes not. Birthday parties were simple and pretty standard so there wasn’t much concern with being behind the social curve. But as […]

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Should You Relocate to Cut Costs & Decrease Living Expenses?

In an economy where people are experiencing what may be a permanent reduction in income, one of the more radical solutions is to pack up the family and the household contents and head for someplace where the living is cheap—or at least cheaper. If an income is lost or if it becomes a matter of […]

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Can Cash-On-The-Barrel Get You Out Of Debt?

Debt settlement services are all over radio, TV, the internet. They seem like a shot at redemption for many people, but often the solution to our biggest problems can be found in the little things we do every day. Overspending is a classic cause of debt problems, but how we pay for products and services […]

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