Cash is an Incredibly Compelling Scoreboard

Another simple way to budget is the cash/envelope method.  If you examine your spending habits you will likely find that much of your spending is fixed.  You can’t do a lot immediately about your mortgage or rent, car payment, or basic utilities.  To quickly gain control of your budget your discretionary spending is usually the…

Tax Refund Tips

 If you’re lucky you will be getting a tax refund check from the Department of the Treasury in the coming weeks.  Here are some tips on how best to use your refund to assist you in accomplishing your financial goals:  Don’t Spend Your Refund Before You Receive it: Many tax preparers offer loans against your…

If You’re Not Keeping Score, It’s Just Practice

I love basketball, and when I was younger played frequently.  Sometimes in a pick-up game we would be playing hard, but no one was keeping score.  After a while someone would say, “First team to 20 wins.”  The intensity would immediately pick up, especially on the defensive end, and suddenly everyone became more focused. Other…