Build Savings or Pay Off Debt – Which Comes First?
Newsflash: You can’t get out of debt until you stop being broke! Some argue that if you’re in debt the priority needs to be to payoff your debts before attempting to build savings. Many call for the establishment of a small emergency fund—typically $1,000 — to handle contingencies, and then Continue Reading
Get What You Need Without Over Extending Yourself
Emergencies happen. They are usually unexpected. That means we have generally made no contingency plan for them. Such emergencies drive us into one desperate scheme after another. We turn to charities, only to discover how little they supply during times of need. We try to borrow money from family. Continue Reading
Why Paying Off Your Mortgage Isn’t Always the Best Strategy
This is something of a controversial topic. Ask just about anyone in the personal finance arena, and most will tell you that you need to pay off your mortgage as soon as possible. The basic concept is enabling yourself to live "rent free", so you'll have more money for everything else. It's hard to Continue Reading
Living the Carefree Life: A Retirement Preparation Planner
Everyone wants to have a care-free retirement, but the sizzle is often much louder than the steak. With financial planners switching gears to offer retirement planning advice to older generations, you’d think you would have nothing to worry about. But you do. Not all financial planners have Continue Reading
College is a big deal these days. Without furthering your education, climbing the employment ladder is next to impossible, yet the cost of college - whether out of state or local - is hefty. To afford two or four years, many students fall back on their parents if they're able to help. As a last-reso Continue Reading
Why Psalm 23 is a Psalm About Life – Not Death
If you have ever attended a funeral service, you have almost certainly heard the reading of Psalm 23. It's quite possibly the most famous psalm in the Bible (and there are 150 of them!), almost certainly because of its connection to funerals and ultimately death. And there's no question that it is a Continue Reading
6 Tips for Everyone Who Wants to Buy Health Insurance in 2016
Health insurance is not an option but a compulsion. You might fall sick and need to stay in a hospital for few weeks. Or even worse, the doctors prescribe you a surgery. How would you manage to pay for it? Either by breaking your savings or by borrowing money. That leaves little choice other than to Continue Reading
Last Minute Moves – Student Housing, Clearing and the Search for Housing
Alright. It’s time to find a place to live - the elusive search for housing. You’ve filled out all the forms. You have your books. You’ve got all your tuition taken care of. But, without a place to live, you’re going to find it pretty hard to go to school. Here’s what you do to sort it all Continue Reading
Overcoming Grocery Store Tricks and Traps
I was flattered when Kevin responded to my query in a recent post about sharing some of the secrets used by the retail food stores to relieve us of some of our cash. In the real world, it actually does happen. Think of it as grocery store tricks and traps - they use them all the time, and they're so Continue Reading
It’s Tax Scam Season
I did some research and Benjamin Franklin really did write the only certain things in life are death and taxes. For Americans, since the passage of the 16th Amendment to the Constitution was ratified and gave our government the right to collect taxes, that inevitability comes around all too frequent Continue Reading

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