The Latest

society says it's OK to be broke

Society Makes It OK To Be Broke

We all know that millions of Americans live paycheck to paycheck and often turn to credit cards to get by until the end of the month. I don’t believe anyone sets out to bury themselves in debt, but there certainly isn’t a stigma attached like back in the old days when you didn’t buy it if you didn’t have the cash. I think our society makes it OK, even revered, to be broke. I had a patient recently who could be the poster child for paycheck to paycheck. He had no idea what his insurance coverage was other than “it ...

Read More »
covering end of life costs with insurance

What is Final Expense Life Insurance?

Final expense life insurance is designed to solely cover your final expenses. This means that the funds are specifically for burial expenses, final personal bills and for medical expenses. If there are any funds left after that, the family can disperse the funds as they see fit, with approval from the life insurance company of course. When you worry about how your life insurance funds will be spent, this is the ideal option to consider since it is structured by most insurance companies. Burial Expenses The average funeral in 2014 costs $10,000 for a simple burial. This expense alone takes ...

Read More »
ways to curb your spending

5 Things I’m Spending Too Much Money On And How I’m Going To Stop

I’ve  noticed that our spending has crept up over the past few months, and I think I’m mostly to blame. The problem is that I can justify just about any purchase and make it seem like a necessity. That’s probably a big reason we got into so much debt a few years ago. We’re not in that situation by a long shot, but I’m not liking the trends. I’ve found that when I share my financial woes, I’m much more likely to turn negative into positive, so here are the things I’m spending too much money on and how I’m ...

Read More »
purchasing a home and determining payments

Calculate Your Home Loan Repayments and Be Financially Ready

Australians who are getting ready to purchase a home understand the financial ramifications of such a major purchase, but many people are still too eager to take the time to step back and calculate the exact financial impact that buying a home will make. Calculating home loan repayments allows home buyers to understand how much they will need to have available each month in order to pay off their mortgage on time. The Dangers of Failing To Prepare People who are financially stable may be approved for a high amount when it comes to obtaining a mortgage. However, it is ...

Read More »
easy hike to geyser

Field Trip Friday

Happy Friday! It’s not just Friday today, but Field Trip Friday! No, Field Trip Friday is not a holiday you forgot about or even want to celebrate, it’s my own creation. Our daughter’s school is out two Fridays per month for teacher development. I managed to take every one of those days off, and I am also keeping another kid whose Mom is a teacher. I’ve made it a goal to take the two kiddos on a field trip every Friday when there is no school. We live in such an amazing outdoor paradise, that I’m gonna make them get ...

Read More »

Saving Money

Lifestyle

Travel