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Delayed Gratification

I work daily to raise my kids to be more financially responsible than I have been. One of the most difficult pieces has been to explain the benefits of delayed gratification to my children. It’s hard enough, as an adult, to take delayed gratification to heart. For a child? It seems to be almost impossible.

My [...]

5 Ways to Reduce Temptation and Have a Peaceful dinner

It never fails: you send the kids off to the salt mine babysitter for the evening, cook a nice dinner and light some candles. Then, just as you sit down, the phone rings.

Now you have 2 choices, you can do like me and ignore the phone if it’s inconvenient to answer or you [...]

5 D's of Identity Theft

Identity theft is, at its most basic level, the act of using someone else’s identity or credit without permission. From a stolen credit card to a forged phone bill in Moscow, it all involves your good money paying for the bad habits of another. Thankfully, there are ways to reduce the odds of having your identity [...]

Is Your Budget Doing More Harm Than Good?

Do you stress over your money?

Is your spouse under the impression that you are constantly fighting over money?

Are you constantly fighting over money?

Have you completely eliminated your quality of life?

Do you spend hours each week analyzing where your money has gone?

A total budget can have a negative effect on the other parts of your life. If [...]