Credit cards, debit cards, gift cards, checks, and cash are a convenient way to purchase things. However, Credit cards are against my religion. Why? Credit cards aren’t evil and God didn’t forbid us to take from the credit card tree. How can this be a religious argument? NOTE: This is…
Read MoreWhen the housing market is bad Home values have dropped, there’s a lot of inventory on the market, and rates are low. What that means is this: The prices of homes are lower than they were 4-5 years ago A lot of people are trying to move, can’t…
Read MoreI’m a HUGE Dave Ramsey fan. I listen to all three hours of the radio show, occasionally volunteer at live events, and I’m the only individual in Missouri who is Certified to teach the Financial Peace University Workplace Edition along with completing his Counselor Training course. I like…
Read MoreThis is a great exercise to see if there are any financial anomalies in your house that are out of whack. The spreadsheet (Recommended Percentage spreadsheet) includes high and low percentages recommended for 11 categories. How do you compare to someone who is debt free? Follow the instructions…
Read MoreEmotions take precidence in most of the decisions we make about our disposable income. We want something, we like something, it sounds good or looks good. Some play money is alright but what about investing? Do you use the same behaviors when deciding to invest? We need to…
Read MoreSure. Why not? It would be consistent with the bankruptcy code, valuables left to loved ones in a will, and has to be included in a list of documents when filing for divorce. Things that have value should be taxed, right? Items should be reported on your income…
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