Category: Budgets

How Do You Handle Unexpected Expenses?

unexpected expenses

Most of us don’t have a stash of cash under the mattress. And yet most of us will be hit with an unexpected bill: Car repair? Medical expense? Dental disaster? Home repair? Education cost? Unforeseen travel for family emergency? So what do you do when life happens and then hands you a bill? 1. Pray.  […]

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What Are Your Financial Goals?

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financial goals

Money can be so hard to talk about; especially when it comes to setting a budget or determining  financial goals. One woman recently summed it up while talking with a financial investor: “I’d love to think about investing but I have to have money first.” If you are in that situation, living paycheck to paycheck […]

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What 34% of Americans Need But Do Not Have

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bankruptcy alternatives, family finance

What do more than a third of residents in the United States need that they don’t have? It certainly isn’t a cell phone. According to an article in the Washington Post in 2011, we already owned more cell phones in the US than there are citizens: “The number of mobile devices rose 9 percent in the first […]

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Having the “Talk” With Your Spouse

In today’s household most couples are working. Each has their own paycheck and often they have separate checking and savings accounts, yet most of the bill paying is done by one person. When the financial responsibility for the day-to-day family expenses falls to a single person,  we have found that in many cases the spouse […]

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Which Comes First: Saving Money or Paying Down Debt?

being sued

Which is more important: savings or paying down debt? You just came into an extra $100. Do you put it in the bank for a rainy day, make an extra credit card payment or go out to dinner and a movie? There are people who will argue for all three options but it depends on […]

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Six Tips to Help You Become Debt Free

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debt free

Do you ever wonder how you will ever reach financial freedom and become debt free, even though you are currently working on paying off a substantial number of bills and credit cards? If so, you are not alone. In fact, according to a 2014 survey from NerdWallet, the average household in the United States has […]

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Tips For Staying On Your Budget

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your budget

A key way to manage your family finances is to make a budget and then stay on it. For some it is like saying you are going to diet and then…struggling to resist that Twinkie. If you want to stay on your budget, you have to resist the Twinkie. Resist the quick drive-thru dinner, the […]

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When is it Time to File Bankruptcy?

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bankruptcy alternatives, family finance

The creditors are calling, the past due notices clutter your mail box and the financial stress has put undue pressure on your family relationships. Is it time to file bankruptcy? Before you start the proceedings, first examine the answers to a few simple questions: Does the bulk of your financial burden consist of student loans? […]

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Eight Warning Signs That Show You May Be Headed Toward Filing for Bankruptcy

warning signs

Do you know the warning signs of bankruptcy? It is common for many of us to get off track with our finances at least once in our lives. Many of us have good intentions to stick to our budgets, but an unexpected illness or car payment can appear, and money becomes a little tighter. Perhaps […]

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Life After Bankruptcy: Let Go of Guilt and Look Forward to a Better Future

life after bankruptcy

In our last blog, we showed you how you can create a realistic budget and stick to it. In this blog we explore the issue of guilt. One of the biggest questions that people have after undergoing bankruptcy is, “What will my life look like now?” In most cases, our clients feel relief. Many of […]

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