Budgeting

September 17, 2020

How Distinguishing Between Needs and Wants Can Help You Build a Better Budget

In order to create a budget that not only works, but that you can thrive on, it helps to consider your needs and wants. It can be hard initially to see any of your spending as a want because you can’t see your life without it. But if you take a step back and evaluate…

September 07, 2020

What should I do to budget if I’m on unemployment?

I’m sorry to hear you are unemployed. I know for many people it has been very difficult to access unemployment benefits since the CARES Act was enacted in March 2020. On top of that, the extra $600 per month payout ended July 31, 2020. So, congratulations on breaking through the red tape. You finally have…

August 20, 2020

How can I save on a fixed income and disability?

The key to saving is quite simply, to spend less than you make. This works for all incomes, whether it’s from a job, retirement, or government benefits like disability. If you are spending everything that you have each month, then consider checking your spending for a leak in your wallet. When I say “leak,” I…

August 09, 2020

How to talk about finances with your children

It’s important to talk openly with your family about your financial goals, values, and situation on a regular basis. However, that’s easier said than done. As early as preschool, you can start talking to children about money and buildin...

August 24, 2020

Game Plan for Starting a Small Business

When I first became a financial planner, my specialty was small business owners. I also headed my local Chamber of Commerce’s Small Business committee. Over the years, I received a lot of excellent business advice. Below are the top five most impac...