Top news for close to a year has been economics, whether it was the drastic rise in oil and gas prices, the housing crisis, corporations needing bailouts, or unemployment.  We have been focusing on our wallets for a long time and we have been scared about the future all at the same time.
When you think […]

One would think that if you balance your check book and you are a few pennies off, no big deal.  After all, what’s a few cents between you and the bank?
It can turn out to be a lot, in fact.  When you balance an account, you are checking off both deposits and withdrawals.  In the […]

Let’s begin with a pizza.  A large pizza, by the time it gets to your house along with the bottle of soda and a tip for the driver, will cost around twenty dollars.  If you put it on a credit card that you don’t pay off immediately, it will cost you up to 30% in […]

How much clothing do you really need?  How many things have been lurking in your closet, still sporting their price tags?
Most of the time, shopping for clothing is about something else besides keeping reasonably warm and decent.  It’s about the joy of owning something new, a way of keeping sorrow or frustration at bay, competition […]

Often there are things we want to do that cost money and perhaps we don’t have that money right now.  Being on a budget does not mean abandoning some of these activities; instead it means changing how you do them.
Exercise:  it’s nice to go to a gym and use their equipment, but unfortunately gym memberships […]