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Nancy and me

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Money problems keeping you awake?

There are few things worse that money problems in my book. I have been there way too many times, way too long and lost way too many nights sleep over it. In the last 20 years I have gone through 2...

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In debt without a plan

Your phone is constantly ringing; everyone wants money that you just don’t have. They might as well be asking for $10,000 instead of the minimum payment of the $445 that you owe. You tell them you...

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Tracking your spending habits

Like the ocean tide; money rolls in and money rolls out. How can one create a sound budget and a solid foundation without knowing exactly what is spent every month? The rent / mortgage, car payment and...

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Getting out of debt using a debt snowball

In the journey to becoming debt free the development of a budget is vital and must be strategic. Here are some simple steps in helping to create a budget: Step 1. On a piece of paper or a spreadsheet...

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