The United States has invested a lot of time, money, resources and lives to battle terrorism. We have had major successes. We have made tremendous inroads in eliminating various sectors of terrorism. But, the looming shadow of bin Laden has always dulled the joy of victory. His presence has been a weight on our shoulders. True victory was never possible with the world’s leading terrorist still free. Now I am in no way suggesting that the fight against terrorism is over, or that it can ever be totally eliminated. I am also not suggesting that the death of bin Laden in any way makes up for the tremendous loss suffered by the United States, the victims of 911 or the victim’s families and friends. But the elimination of bin Laden does allow us to momentarily enjoy a victory. It does allow us to eliminate a burden that has been weighing on our shoulders and stifling us. And checking off and completing the task allows to move on to the next task at hand. Read the rest of this entry »

There are many ways we are wasting money and do not realize it. I meet with potential clients and they say “We are doing everything we can but there is just not enough”. On the surface this may seem to be true, they cut and scrimp in many areas: entertainment/going out, stopping at convenience stores and little things like this.

But, there are many areas that we do not even think about looking deeper into and it is costing us big. So this month I have some areas for you to really look at to see if you can find some cash that is getting wasted. Read the rest of this entry »

I love watching This Old House. However, the key phrase is watching. Because when it comes to actually working on projects around “My Old House”, I am useless. I lack the skills and the ability to apply the knowledge I gain. Thus, I quickly become impatient and overwhelmed. The result, I often ignore the problem, so a small maintenance can turn into a larger repair. Maybe, your home isn’t crumbling into disrepair. However, can you say the same thing about your financial house? Read the rest of this entry »

We get this questions many times in different forms. Should I move my balance to another card with a lower interest rate? Should I take advantage of a card that earns points or gives away free stuff? Regardless of the question, often the situation is the same Read the rest of this entry »

So you’ve been working hard on your budge. You and your spouse have been diligent by sticking to your game plan. You’ve embraced the “beans & rice, rice & beans” lifestyle because you’ve got your sites set on the goal.

Occasionally even the most intense gazelle can find themselves turning into zippy the wonder slug as frugal fatigue sets in. Like all new adventures, the newness wears off and the activity of becoming debt free can become a chore. Here are some great ideas from one of our long time clients. Read the rest of this entry »