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Tag Archives: Family

The Real Cost of College

How much will your family end up paying for college? Your household’s income may have less influence than you think – and some private colleges may be cheaper than you assume. Private schools sometimes extend the best aid offers. Yes, … Continue reading

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Financial Priorities Young Families Should Address

As you start a family, you start to think more about certain financial matters. Things change when you have kids, so being prepared can make the transition less stressful down the road. Parenting presents you with definite, sudden, financial needs … Continue reading

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Financial Steps to Take When Getting Married

Are you marrying soon? Have you recently married? As you begin your life together, it is important for you to start planning your financial future together and putting your finances on the same page. Here are some priorities you might … Continue reading

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Is a Home an Investment?

When you buy a home, are you investing? If you buy it to flip it or buy it as a rental property, the answer is yes. If you buy a home simply to live in it, the answer may be … Continue reading

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Getting (Mentally) Prepared to Retire

A successful retirement is not merely measured in financial terms. Even those who retire with small fortunes can face boredom or depression and the fear of drawing down their savings too fast. How can new retirees try to calm these … Continue reading

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Protection Against Elder Financial Abuse

We are becoming more familiar with the notion of financial abuse targeting elders – scams and other exploitation targeting the savings of people aged 60 and older – but many may think, “it won’t happen to my family” or “my … Continue reading

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College Costs that Slip the Mind

Yes, that last year of high school has just ended with a celebration called graduation. Proud parents and families throw parties and the graduate receives many gifts and cards. The relieved graduate wants nothing more than to sleep in late … Continue reading

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Co-Signing: A Good or Bad Idea?

It’s not hard to recall many heartbreaking stories of family or friends who have agreed to co-sign some sort of loan and then find themselves on the short end. Just think about it; the only reason a lender asks for … Continue reading

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Personal Bankruptcy Explained

No matter the reason, personal debt problems can be devastating. They can lead to depression, feelings of guilt, shame, anxiety, and problems with relationships. Also, these debt issues often result in individuals feeling the need to hide and even lie … Continue reading

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Children and Allowances

Through the years, any variety of theories have been put forth and argued regarding financial allowances for children.  But two approaches seem to have emerged and become the “norms” over the past decade or so. Although many parents do not … Continue reading

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Living Cheaper as a Retiree

When I retired a bit earlier than expected last year, I realized I was making a decision to also accept a new lifestyle due to a significant cut in my income. I had also made a decision to retire near … Continue reading

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Vacation or Staycation?

Everyone needs time away now and then – from work, school, people, and even from responsibility. Traditionally, families look forward to these times to have the chance to discover, relax, and to engage in activities that aren’t typical day-to-day events. … Continue reading

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Coping with the Loss of a Loved One

Coping with the Loss of Your Spouse and its Financial Impact Losing a spouse is a stressful transition. And the added pressure of having to settle the estate and organize finances can be overwhelming. Fortunately, there are steps you can … Continue reading

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Harassment from Debt Collectors

Harassment from debt collectors can come in a variety of ways. There are laws set by the Fair Debt Collection Practices Act (FDCPA) that debt collectors are supposed to abide by, but some don’t. It is important when dealing with … Continue reading

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The True Cost of Taking a Break

Every one of us looks forward to taking a break from our routines sooner or later. Whether it’s to visit family or friends over a holiday, a weekend trip to the mountains to ski, or a kid-cation to one of … Continue reading

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Teaching Your Kids About Money

I recall from my life as a young teen that, after spending most of my years fully ignorant of the money our family had or frankly worrying about it at all, my mother made it clear to me and my … Continue reading

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DIY Family Style

At a time when just about everyone in the household who can work goes to their job every day, maybe it’s time to consider doing some of the tasks around the house that we have been paying someone else to … Continue reading

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Real Cost of Home Improvements

Buying a home is a big decision and an even bigger investment. For many, purchasing a home will be their largest financial transaction in addition to becoming the most valuable asset they own. While some buyers look for “move in … Continue reading

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Protecting Parents from Financial Abuse

News about financial elder abuse is becoming more common nowadays. Whether it’s via phone, mail, internet, or even through direct interaction, vulnerable seniors are being targeted frequently.  We often think that such a thing won’t happen with our parents or … Continue reading

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Time to Get Out of Debt

If you are waking up at night wondering how in the world you will ever pay off debt and continue all of the regular expenses incurred day to day for 2017, it’s a great time to consider how you’d approach … Continue reading

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Turn Off the Lights

Although there are many ways to curb household expenses, one of the areas that often gets the least consistent attention is the use of utilities and the associated costs. Often, it’s as easy as remembering to turn off the lights … Continue reading

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Step Down Spending

Whether you’ve lost a job or are considering intentionally reducing your spending in an effort to save more or prepare for retirement, there are ways to step your costs down a notch or two without completely altering your lifestyle. Many … Continue reading

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Save on THIS in January

Every year, many experts publish articles and lists of items that go on sale throughout the year. We as consumers often purchase goods as we think we need or want them, and not always when it’s best for our pocketbooks. … Continue reading

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Achieving Goals in 2017 the SMART way

It just happened again, 2017 is here and just like last year it seems that time is passing by faster and faster. If you haven’t already, take a moment to reflect on where you were the beginning of last year. … Continue reading

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Childhood Lessons from Holiday Shopping

A long time ago while raising a 7 year old alone, I decided it was time for yet another money activity and learning opportunity for my son. Fortunately, I had opened what used to be called a “Christmas Club Savings … Continue reading

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Let the Holidays Begin

As the new year approaches, it can bring up a lot of anxiety around impending holidays and all the “extras” this time of the year involves. Think about it – there’s extra food, extra or new clothes, extra events, extra … Continue reading

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Holiday Cooking and Feasting

If you are like me, you are already thinking about the big dinners that are ahead for the holidays.  Thoughts are running around in your head about who will be at your table, what you will serve up, and how … Continue reading

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College Roommate Food Fights

Whether you are heading to college this fall for the very first time or a returning student, there are always plenty of decisions – what courses to take, major, minor, how much to borrow, how much to work – but … Continue reading

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Yes, There Really is a National Financial Planning Month

Did you know October is national financial planning month? Probably not, but hopefully the title gave that away. Someone much wiser than I once said “a goal without a plan is just a wish”, and they were right! When asked, … Continue reading

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