“Tell me why you are here?” The question didn’t really throw me off, since the subject had been on my mind for a very long time. “I am disorganized financially. I have not had any luck sticking with a budget because it always seems to be off somewhere and frankly, I have a general idea of what I should do Read more …

I often get asked what I think about Dave Ramsey.  Just about everyone knows who he is, the evangelical radio personality who has become widely popular for his rantings about getting out of debt and dumping credit cards. So what do I think? I agree with Ramsey talking the basics, addressing common sense money matters that should be obvious to Read more …

If you’re like most Americans, there’s a pretty good chance that you received at least one offer for a new low-cost credit card this month. While some of those offers look tempting, with rates as low as 6 percent and no annual fee, you may want to use caution before abandoning your present card (or cards). Asking the right questions Read more …

  Sounds pretty harsh, I know, but it’s true. Some of the advice I read in so-called “expert” sources sound good but most of it is just plain silly. A July 26 blog posting on Wallet Pop by Lynette Khalfani-Cox sort of proves my point. She writes about “5 Ways to Reduce Your Debt” and gives some pretty good advice, Read more …

Most everyone has been taught that the way to control spending is to write out a budget (which determines a set amount that can be spent based on how much money comes in each paycheck) and then stick to that budget. But most people hate to budget because budgets simply doesn’t work — and let’s face it, they aren’t any Read more …