3 Factors to Consider Before You Buy a Home, Part 1

There are many reasons you should buy a home. This article applies to owner-occupied ownership when you buy a home, only. Rental real estate is very different than owner occupied home ownership. The loans are more difficult to qualify for than owner occupied, the tax deductions are treated differently, and if you don’t hold the […]

Get a Quality Home or Mortgage With Big Thing Buying Skills

Home or Mortgage; Buying an Affordable Low Maintenance Home and Get a Quality Mortgage YOUR BUDGET The first thing you have to ask is, “How much house can we afford” The payments include P+I+T+I (principle+interest+taxes+insurance). Most of your payment will be principle and interest, taxes vary according to state, and insurance is not a very big cost. […]

Creating Great Personal Finances in Marriage or a Partnership

Creating great personal finances in marriage starts way before you get married. PERSONAL FINANCES DURING THE DATING PERIOD You can get a snapshot of your friend’s personal finance habits by discussing your likes and dislikes while your relationship is in the early dating stage. This is beneficial because if you see someone who has really […]

Personal Finances That Rock

To get personal finances that rock understand that there are many ways to achieve a given task. You only need to use one to be successful. The one that works of course. I have used many ways in the past to create successful personal finances that rock, so I will attempt in this article to […]

Who Manages Your Personal Finances

Who manages your personal finances? Seems like a silly question, but if you ask many people they will tell you, “no one, my money doesn’t need managing, I just pay my bills and spend what I can” I hear this quite often with those who make a lot of money and those who make a […]

Personal Finances Should be Personal

Personal Finances I was speaking at a women’s meeting about personal finances and a young woman, about 35 came up to me and ask me what are “personal finances”. I was really shocked since being there meant that she was in some way affiliated with a business she owned. She looked me in the eye […]

7 Ways Sane-Savings Can Protect You Now!

Many people complain that saving money, or what I call sane-savings, is a useless exercise in futility. I am told by so many people that they either can’t save money, or save it and spend it quickly. Here are some ways to engage in sane-savings, and save money that will create lasting and recurring savings […]

Personal Budgeting for Future Sanity in 5 Ways

Personal budgeting for future sanity; Did you know that your sanity in the future could depend on the way you budget your money today? It does. So, get into the habit of including tomorrow into today. I know this sounds like you are only living for tomorrow and not for today. But, believe me, you […]

How Minimum Wage Effects All Lives

Corporate CEOs Can Do Without Their Third Yacht and Mansion and Pay A Livable Minimum Wage Not a day goes by that I hear something about minimum wage laws, some lawmakers think it would be a good idea for low-income employees to have a livable wage, by increasing the minimums, while others think it is […]

Money Before Marriage-Until Credit Do Us Part, Part 2

Money before Marriage  Money before marriage is an essential conversation everyone should have prior to marriage, when you, considering the divorce statistics associated with money before marriage.  Financial surprises after marriage run the gamut from, “I assumed he owned his home”,  and, “I did not know he was deep in debt to his x-wife”.  These are just […]