Learn to live within your means and be debt free. Increase savings, invest to grow your money for retirement. Watch out for scams, scums and the schmucks of the financial world. Get more information from books and seek help from financial advisers.

Do not regret growing older. It is a privilege denied to many - Unknown.

Keep in mind, investing involves risk. The value of your investment will fluctuate over time and you may gain or lose money.

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Make Your Budget A Moving Target

Wednesday, May 19, 2010, 1:00 AM | Leave Comment

It is essential to make a budget and stick to it when you make saving and spending a moving target. The budget will keep your spending in check. When you categorize saving and spending, don’t force yourself to fully abide by your own rules. One of the best ways is to put a maximum on […]



Budgeting Your Money Should Not Embarrass You

Wednesday, May 12, 2010, 1:29 AM | 3 Comments

Two years ago, Americans’ saving rate was less than 1%. Today, by some estimates, it has gone up, to a whopping 5%. That’s the most in 15 years. WOW! Good for you America. Keep up the good work. If Braderick Jones can save, so can you. He is a mechanic in the state of Wisconsin. […]



7 Tips for Avoiding Bill Shock Now

Tuesday, May 11, 2010, 6:52 PM | 5 Comments

The FCC thinks without automatic usage alerts, it can be hard to know when you are running up a surprisingly high wireless bill. Today it came out with some advice of how to go about avoiding your surprising high cell phone bill. The FCC’s Consumer and Governmental Affairs Bureau (CGB) launched an initiative on “bill […]



Don’t Overlook How Much Of Your Budget Goes To Gifts

Tuesday, April 6, 2010, 12:04 AM | Leave Comment

Almost everyone buys gifts. There are wedding gifts, birthday gifts, graduation gifts, Christmas gifts, house-warming gifts and [can I say?] only the devil knows what else. Not trying to be religious, God, on the other hand, does not want you to overspend. The dollar amount for the gifts can all add up to an amount […]



Conflicting Reports About Consumers Spending And Saving

Monday, March 29, 2010, 12:10 AM | 1 Comment

During the last couple of years, dubbed as the Great/Worst Recession since the great one of the 1930s, there have been some reports, especially recently, questioning the wisdom that consumer behavior has been profoundly changed. Multiple conflicting reports to that effect have come to see the light of the day. The following three reports in […]



Keep Track Of Saving Opportunities On Your Mobile Phone

Sunday, February 14, 2010, 2:23 AM | Leave Comment

My 20-year old son is very much careless about using his debit card. He uses it to buy $3 or $5 worth of fast food just to satisfy his craving for it. He is not careful enough to check his debit account whether he has the money in the account or not. Three times during […]



10 Tips To Shape Up Your Finances in 2010

Thursday, February 11, 2010, 1:15 AM | Leave Comment

Most folks have resolutions for the new year in terms of a healthy weight, quit smoking and get more exercise. Because of the bad economic situation and the increasingly unpredictable future for personal finances, this new year is an excellent opportunity for folks to shape up financially. May that be getting out of debt, raising […]



Tips To Achieve Financial Success In Your Lifetime

Thursday, January 7, 2010, 10:25 AM | 4 Comments

For some folks, financial success means peace of mind and not worry about debt and its intricacies. For others, it means more. More than they already have, no matter how much. If they get hands on $19 million, they are not satisfied. They would use any means necessary to be financially successful. Let’s talk about […]



Something Less Flashy Will Do Just Fine

Tuesday, December 15, 2009, 2:32 AM | Leave Comment

A time comes that an increasing number of people get tired of routine things to do, one of which is shopping. Especially in today’s rotten economy, when you do shopping just for the sake of shopping, because you have nothing much else to do, you must change your habits. The general populace is being hit […]



Whacha Gonna Do When The Malls Call On You?

Tuesday, November 24, 2009, 11:38 AM | Leave Comment

This year, many folks have been laid off as we all know. The personal finance experts say “Less work, but more time with family! Less credit, but smarter spending!” Whether you are one of the many who don’t have a job this shopping season – that includes yours truly – or are gainfully employed, be […]