piggy bank and calculator

9 Essential Budgeting Practices You Might Not Be Following

9 Essential Budgeting Practices You Might Not Be Following Christmas decorations are already hitting the shelves. Combine that with Thanksgiving and the fact that Halloween has surpassed Easter as the Number 2 most expensive holiday for families and you’ve run into the trifecta of budget busters…..The Holidays.   A great way to approach these impending events is…

woman with piggy bank and gift bag

Spending Vs. Saving

Spending Vs. Saving You’ve heard the facts before: Our nation is currently experiencing a negative savings rate Only one-third of American families are saving enough to be able to maintain their standard of living in retirement More people are afraid of financial problems than are afraid of death More than half of all employees are…

woman with cash and a notepad

Personal Budget

Personal Budget WHERE DID ALL MY MONEY GO? How often have you muttered this phrase? Monthly? Weekly? Daily? Do you know where you money is going? We often spend money without thinking. Credit cards have allowed us the luxury of spending without actually paying, until the bill comes, so the spending seems harmless. Fast food…

backpack with school supplies

Back to School Budgeting

Back to School Budgeting   Parents, start your shopping carts – it is back to school season. According to Deloitte’s 2016 back-to-school survey it is time for your student to control the aisles: ·       On average, parents will spend $488 for clothing, accessories, school supplies, computers and other electronics for their children this year ·      …

man looks at a budget spreadsheet

Budgeting 101

Budgeting 101 The economy is still up and down. One month job growth measures show increases, the next, it drops again. Company mergers occur and layoffs follow. Sometimes it’s across the country and sometimes in your own hometown. If you are faced with an income reduction or simply want to adjust your spending to re-focus…