Monday, April 4, 2022

Children's Allowance

 Have you considered giving your children an allowance? Some folks think that children should get an allowance in return for good grades. Some folks think children should get an allowance based on the completion of chores. Have you considered giving a 5-year-old an allowance without expecting them to earn it? What about a tween? What about a teenager? If a child gets an allowance I am of the opinion that one needs to start young. When doing so some think it is a good idea to teach them to save at least 10% for something in the future. It is also a good idea to teach them the importance of giving. Just like a paycheck, we adults should do the same thing. We should save 10% of our income for something we want in the future. We should also give away 10% of our income. For some, this will mean giving a tithe to our local church. For others, this will mean giving the 10% to a local charity. In some cases, we may even give some of that amount to the person seeking alms on the street. When we give money to someone on the street we have no idea of their real need or how they will use the money. That is not really our responsibility. Our responsibility is to give to those in need. Sometimes we might do it by offering to get them something from a fast food restaurant of their choice. On the latter if they refuse then it is on them. Just think about how to give away 10%. In the end you will feel better about it.

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Wednesday, March 30, 2022

Negotiate with Car Dealer

The process of buying a vehicle has a lot of moving parts. You have to haggle with salespeople over price and negotiate with lenders for an auto loan all while trying to strike a deal for your trade-in. Mistakes will cost you, so preparation is important.

Click Here for details 

Tuesday, March 29, 2022



I'm Debt Free 18 Months

 I’m debt-free! Paid off my last credit card yesterday! Took me 18 months to pay it off! I had a total of $36,500 in debt! I started with making $30,000 to now making $46,000. Sticking to the budget was so hard for me at first but now I actually enjoy doing my budget!

Monday, March 28, 2022

Getting out of Debt

 Living paycheck to paycheck. You need a plan to get out of debt. We can help. This is what one person did and now they do not feel the pressure of the debt. Remember, the 0 step is to stop using credit cards. The best thing to do is to snip them up and close the accounts. You can use debit cards to work just like credit cards. The only difference is you will never have to make payments or pay interest.

Paycheck #2 from my new job! Paid past due bills and got current on these utilities: electricity, natural gas, trash service, cell phone, and the Internet. Contacted the water and sewer departments and am not behind on them. Will get their bills and pay next paycheck. Set up an envelope system in one of the Dave Ramsey wallets (not the expensive one) and funded them for food, gasoline, and pet. Will add a clothing envelope to it next time. Still determining other items which could use an envelope and may expand in the future. Set aside monies in three regular envelopes to pay tithes of 1% for January, 2% for February, and 3% for March which I will put in the collection plate this Sunday. Created tithe envelopes for April at 4%. Created two regular envelopes and funded them to pay off 2 of 3 friend loans which I will give to them on Saturday when we go out to celebrate one of their birthdays. Set aside money to celebrate already. Created and funded a third friend loan envelope but held onto it for just a bit until I am sure my budget is set and I have accounted for everything that I know of. Started a home maintenance fund. Will start a car maintenance fund next paycheck.

Not much money left over for a lot of fun things. But dog parks are free and they are a fun source of entertainment. Otherwise, I am looking at my 99-cent Hulu membership for the month.
Still, I have given every dollar a job to do and I have a zero-based baby budget for the next two weeks. Can't believe how far my money stretched!

Monday, March 21, 2022

Dishwasher Safe

 Did you know that some of the things you put in the dishwasher are not good for your budget? This means the life of some of the things in your kitchen will cost you extra money. How much will depend on the cost of replacing some of the items?  There are some expensive items in the kitchen that will be ruined by the dishwasher.

Here is the list:

Anything Wood

This would include your cutting boards, items with wooden handles which would include knives and spoons. Wood will warp. Also, the dishwasher soap is abrasive. and will scratch the wood over time. The heat in the drying cycle will cause wood to warp and crack. These items should be hand washed. If you need a cleaning boost when washing wood try a bit of baking soda to scrub away stains. Wash your, cutting boards, by hand as soon as possible after using them but do not submerge them in water.

Cast Iron

When you purchased your cast iron you began to season it. That took a lot of effort and time. If you put your cast iron in the dishwasher as a short cut it will no longer be seasoned and you will be subjecting it to rust. Cast Iron should be rinsed in hot water and scrubbed with a soft sponge to remove the food and then dried immediately wth a towel. Soap in the kitchen will remove the seasoning.

Monday, March 14, 2022

What is it Worth

A father said to his daughter "You just graduated, this is a car I bought a while ago... It is a few years old. But before I give it to you, take it to a car dealer in the city and see how much they offer for it.”
The girl came back to her father and said: "They offered $4,000 because it looks very old"
The father said: “Hold it and take it to the 2nd hand car dealer.”
The girl returns to her father and says: "The pawnshop offered $1000 because it is a very old car and they say lots of work is needed to drive it again"
The father asked his daughter to join a passionate car club with car experts and show them the car.
The girl drove the car to this car club, turned, and said to her father: “Some people in the club offered me $100,000 because it is a rare car that is in good condition, with great capabilities, and super difficult to find.”
Then the father said, "I wanted to let you know that you are not worth anything if you are not in the right place."
If you are not appreciated, do not be angry, that means you are in the wrong place.
"Don't stay in a place where no one sees your value"

Monday, March 7, 2022

Money Scams

 You work hard for your money. Do not fall for phone calls or letters that say you have money coming to you even if they appear to be from the IRS, Your bank, any company with whom you have a credit card or any company with whom you have any relationship. Each of these already has your personal information. Anytime you receive a phone call or letter that requests information or payment call first with a number that you already have in your files. Never, absolutely never provide any information to someone you do not know. 

Locking your credit is easy and convenient. You’ll need to contact the 3 major credit bureaus separately and provide your PIN, password, and other personal information to verify your identity. You'll be able to lock and unlock your credit via mail or phone at your convenience. Locking your credit is a simple and smart way to prevent fraud and identity theft. You will have to unlock your credit if you want to apply for a credit card, loan, or job. For a future employer find out when they need to access your accounts at each of the bureaus and unlock your accounts just long enough for them to verify the information. The same would hold true if you need to rent a house in our apartment and the landlord wants to verify your credit.

Saturday, March 5, 2022

3 Years

Names not provided to protect privacy.

3 years in the making!

🎉 WE ARE DEBT FREE!!!!!!!!!!!!!!!!!!!!!!!!🎉
(everything but the mortgage baby!)
$141,000 Paid off in 3 years!
We started this journey with 28 open accounts, a truck loan, and a baby on the way. Our range of income was 80-100.
We sold the $16,000 truck and cashed out my $25,000 in teacher retirement which helped put a dent in things!
But the biggest part was: we worked the plan, got on a budget, gave our finances to God, made BIG changes, made even bigger sacrifices, worked side jobs, sold a TON of stuff, said No to a lot, and kept at it when we wanted to give up. In 3 years we have not only paid off $141,000 but we also cash flowed the birth of 2 babies, 2 vehicles, 3 emergency room visits, a minor surgery, and closing cost on a house. We also survived 2020 and 3 furloughs, and suspension of bonuses (even though he hit them all!)
God has helped us and provided for us the whole way! There were so many times when He blessed us with just the right amount at just the right time.
A very big thanks to our parents and family who were always there encouraging and blessing us on this journey. To our friends who understood when we had to say no to things and were also a huge encouragement.
(Name Withheld) thank you for all the sacrifices that you made (I know switching to generic brands was tough at first lol). You did it all, you worked a full-time job and picked up so many side jobs, you are the master at selling things on the Marketplace, and you never cease to amaze me at your ambition and drive to be a better Christian, employee, husband, and Dad. This journey has been in so many ways so great for us and our marriage, it has taught us that we can make it through hard things and with God at the center come out better for it. Thanks for not giving up and for all you do! I Love you and would not have wanted to do this with anyone else!!
🏡Now let's pay off that House!
Live like no one else, so you can live and give like no one else!
-Dave Ramsey

Friday, February 25, 2022

Private Car Sale

 If you need cash, consider selling your car privately. A dealer offers only wholesale value for trade-in vehicles, which is often thousands less than private sale value. Consider your sales tax savings, as well. If you trade a vehicle worth $5,000 and pay a 10 percent sales tax rate, your tax savings equal $500. You must sell your vehicle privately for at least $5,500 for the private sale option to prove beneficial. Then, you can use the proceeds from your sale as a down payment or keep it if you prefer.

Thursday, February 24, 2022

Do I need a financial coach?

 The answer is absolute. Maybe for something simple or for something more complicated. Many coaches say you always need someone to bounce life situations on occasionally. Have questions then one-on-one financial coaching help you solve your money problems. Relieve your stress. Take back control of your money. Sleep better at night.

Wednesday, February 23, 2022

Zero Interest Cards

 Are you trying to pay down debt? Sometimes it helps to transfer high-interest cards to no-interest cards. When you do this you need to cancel the old cards. In fact, we recommend closing out all credit card accounts. If you transfer the payments then when you get the new card put it somewhere you will not use it. It is too easy to use a credit card for emergencies or for wants that are not needed. We really do not recommend transferring cards but if you feel you must it is your decision. Here is a link to a page that tells you about two cards. Generally speaking the amounts you can transfer are small. Many cards only allow you to transfer $500.

The Best Balance Transfer Card of 2022 |

Tuesday, February 15, 2022

Car Value

 If you lease one car after another, monthly payments go on forever. By contrast, the longer you keep a vehicle after the loan is paid off, the more value you get out of it. Over the long term, the cheapest way to drive is to buy a car and keep it until it’s uneconomical to repair.

Saturday, January 8, 2022

401(k) Advise

Ted Benna, a benefits consultant, is widely credited with creating the 401(k) plan most companies use today. While a provision added to the Internal Revenue Code in 1978 is the basis for 401(k) plans, it was initially used primarily by senior executives who wanted to supplement their pensions. Benna came up with the idea of using matching contributions to encourage contributions from lower-paid employees. More recently, Benna has developed an alternative savings plan for small employers that want to help their employees save for retirement but find traditional 401(k) plans costly and cumbersome to administer. Kiplinger’s talked to Benna, author of 401(k)s and IRAs for Dummies, about how 401(k)s can be improved and how savers can get the most from their plans.

What advice would you give to a young person who has the opportunity to enroll in a 401(k) plan for the first time? It’s never too early to start investing, even if it’s only 1% of your pay. Bump up your contribution as you advance and get pay increases. When people tell me they can’t afford to make contributions, I tell them, for one week, keep track of the spending decisions you make that are discretionary. Beverages, entertainment and so on. Once you do that and look at how much you’re spending, decide whether it would be smart to take some of those dollars, even if it’s only $20 a week, and put it in your 401(k).

Sunday, January 2, 2022

Side Gig

Searching out a way of earning extra money? Most individuals favor working from home. One way to do this is by taking surveys. I have found 3 different sources for surveys that do pay out cold hard cash. It's not much but it may be enough to feed a pet or two.

1. Mypoints: Lots of surveys, can let the computer run watching videos that will earn a few points too. In addition, sometimes you can find things that you need that will offer coupons that will return some of the money spent to your pocket. This site will send you E-mails with offers. You can just click on the offer (no purchase required) and collect points to redeem for cash. I have been a member for several years and have earned over $1,000. The link is Sign in today and start earning. This site offers an option to pay out to PayPal where you can transfer your earnings to your Bank Account.

2. Swagbucks: This site offers surveys, savings on purchases, and coupons too. I have been paid $25 for this one. You can redeem points and request a cash payout via PayPal. The link is You and your referral get a 300 SB Bonus when your referral earns 300 SB within their first 30 days. In addition, you will also earn 10% of the SB earnings for the life of their account. You can print out coupons that will give you points and you can get more points by using the coupons that are for the purchases that you make on a regular basis.  This site has an option to pay out to PayPal where you can transfer the earning to your bank account.

3. Paid View Point: Earn up to $25.00 for every new member you invite. Every time they cash out you will get 20% of every research survey reward they have accumulated. Invite as many as you want. I have never been turned down for a survey. Earn as much as you can. This site pays out via PayPal where you can transfer the money to your bank account. The link is

4. YouGov: Usually get 2-3 surveys a month. I have never been turned down for a survey. Many of them are political in nature but it is easy to take them. When you have taken enough surveys they will allow you to transfer your earnings directly to your bank account.