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Excuses or Choices?

If you interact with the public on a daily basis, you’ve probably heard a ton of different reasons for why people do or don’t do certain things. Sometimes the reasons are worthwhile, well thought out, and very smart. Sometimes the reasons are comical and don’t make any sense. Many times reasons turn into excuses, and excuses are often the things that hold us back and keep us from becoming the people we want to be. Here is a look at some common excuses and how to turn them into choices so they won’t cause problems when trying to reach your goals. I Don’t Have Time Now this is one I can certainly relate to. When you work, have a family, and are involved in other outside activities, time is certainly a scarce commodity. I have also been guilty of trying to do everything myself because I felt no one else could do it as well as me. Not having enough time can also cost you in terms of money and health if you are eating out every night because you feel you too rushed to cook or if you don’t exercise or take some time for relaxation. There are only ...

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12 Facts About Money Everyone Thinks Are True

The following is a guest post from Kevin at Graduating from Debt. If you would like to submit a guest post, please contact me. Money is a huge aspect in almost everyone’s life. Without it we could not eat, sleep, or just live. Below is a list of 12 facts about money everyone thinks are true and the truth behind them. In this article you will learn a bit about financial decisions people make and what they think they know about money as well as what is true and what you can do today to increase your happiness and gain more financial freedom. 12 facts About Money Everyone Thinks Are True 1. Students Graduate school with too many student loans – Although most students do leave school with a lot of student loans, did you know there are ways to pay them down quicker? Just giving up your daily Starbucks run and working while in college can save you lots of money. 2. Owning a house is better than renting – Owning a house costs money. You must pay for everything when something goes wrong. Some people even say the opposite and that renting is the better way to go. ...

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I Hired a Maid!

Don’t you hate it when you read a post asking for advice, but never learn how the story turned out? Well, because I don’t want to leave you hanging, this is a follow up to Monday’s post about some things I could save money on but choose not to. I was having a dilemma about whether to hire a maid with our new infusion of cash now that we have no student loan payments. You readers made me think about what was really important and how best to apply my values toward making this decision. I won’t keep you in suspense. I hired a maid! Let me say that this person came highly qualified, has lots of experience cleaning houses like mine, and agreed to the price I offered. I have no doubt she will clean my house to the standards I’ve come to expect. I also know she’ll be on time and won’t give me a crap load of excuses about why she can’t do a particular task. Where did I find this amazing person? I didn’t have to look far, as I’ve hired myself. What? How can you hire yourself? Before you start throwing virtual tomatoes at me, ...

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Is Fear Inducing You To Spend When You Know You Shouldn’t?

                                                                                                                                                                                                     This  is a guest post from Todd at Fearless Men. If you would like to submit a guest post, please contact me.  Why are people sometimes completely overcome with the urge to spend? Whether it’s on a big ticket item or a being a serial spender? Most people understand the concept that they shouldn’t spend out more than they bring in. If people know this to be true, and know it’s a simple enough rule to abide by, why don’t they seem to easily follow it? Being induced or compelled to do something is often hard for people to be self-aware about. ...

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Why I Care About Financial Literacy

As you  may know, April is Financial Literacy Month. I was honored when Shannon at The Heavy Purse asked me to participate in her carnival celebrating this month. Today, I’ll tell you why I care about financial literacy and how it has changed my life for the better. If you are a regular reader, you know that up until a couple of years ago, my husband and I were swimming in debt. We are well educated, productive people. We haven’t had any crazy medical expenses or lost jobs. We simply lived above our means and tried to fill what we lacked emotionally with things. I think we felt entitled to a certain lifestyle because we went to school for a long time and earned good incomes. I also was a workaholic who had become disillusioned with my career path. I believe I spent money to try and make up for the stress and unhappiness I felt at work. We used to get to the end of the month and be out of money. We brought in plenty, but we spent it faster than it was coming in. I can’t tell you how many times I’ve cried over working myself into ...

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