Have you ever watched a financial advisor on TV that just yells at his or her viewers with a comment like, “Are you kidding me" when they ask if they can buy something that they have wanted for a long time. Watching one of those shows reminds me of having my parents yell at me. Sure my parents were smart. Sure they have more life experience. But did they always see where I was coming from? Not always. If your financial advisor is always telling you what to do and what not to do, it is time to … [Read more...]
Learn To Save Money, Learn To Make More Money
Want to learn how to save money? You have to have a good income source if you hope to save money. Do you have a job that provides for all of your needs and then offers you additional money to put towards your savings account? If you are barely living paycheck to paycheck you need to consider your other options that are available to help you pay down your debts and to put more money toward your savings account. There are also some simple changes that you can do that will enable you to save money. … [Read more...]
"Tricking" Yourself To Save Money
Dear Christine, I have the worst time saving money. My “rainy day” fund is used up every other paycheck. From a new set of tires here…to a new set of brake pads there -- I cannot keep up. Someone said that you need 5-8 months savings. I can’t even save up 5-8 days! Why is it so hard? “No Savings in Salt Lake” Dear “No Savings,” Life gets expensive and things come up all of the time; I know. There is a big trick to savings when you have a lot of expenses – saving small amounts and then … [Read more...]
My husband refers to our money as "his" money!
Dear Christine, My husband and I saved up for years so I could stay home when we have kids. Now that we have had our first baby, and it is down to one income, my husband is suddenly referring to our money as “his” money. He will say phrases like, “I make the money. I should be able to decide if we need that or not.” Or, “I don’t want you to spend any more of my money on baby clothes.” He is successful, but I was also very successful at what I did and I made a lot of money so it is hard to … [Read more...]
Start your financial resolutions on June 1st!
Do you want to know why New Year’s resolutions don’t work? Because the New Year starts in January -- when it is cold and you are broke. January is a time when you need to keep your spirits high and you are trying to pay off bills -- going on a diet or budget is just setting yourself up to fail.I like to start my resolutions on June 1st. All of the holidays are over. You are done blowing your diet or paycheck on a super bowl party, an enormous heart-shaped box of candy, green beer, or creamy … [Read more...]