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Vacations When Your Economy Is Down

suitcase

Yes, these are uncertain times. Yes, unemployment is on the rise. Yes, money is tight. But if you’re thinking there is no way that you can take some well-deserved time off for a vacation this year the answer is NO. Well actually that is a double negative, so the answer is really YES . . . yes you can have a memorable and enjoyable vacation. But before you start jumping for joy as if you won the lottery we must qualify our statement. Yes you can take a vacation as long as you spend only what you have saved — meager as it may be.

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Saving Water With Sailor Showers

Sailor Showers Save Water

We were on the set of the Dr. Phil TV show in February 2009 when the good doctor asked us to share a few things we do to save water. We mentioned putting a water bottle in the toilet tank and using drip irrigation rather than flooding to water our landscaping. Then Steve mentioned that we take “sailor showers.” Dr. Phil was astonished and asked us to explain.

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When Is Enough...Enough?

Stop sign

Americans are infatuated — maybe even obsessed — with people who have what we don’t. The media encourages our coveting by presenting a steady diet of lifestyles of the apparently rich and famous in magazines, on TV’s celebrity news and on Internet sites. We dress like celebrities, talk like them and may secretly aspire to live like them.

 

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16 Ways To Start Saving This Year

brown bag lunch

Gas prices may have come down a bit, but other prices haven’t. Using some of these simple money saving ideas will help you put more money in the bank to protect your family against the uncertain times ahead.

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I Wish I May, I Wish I Might...

wish lists

We’ve always made lists: chore lists, errand lists, to-do lists, projects lists, possible baby-names lists, financial goals lists, Christmas lists — and the lists go on and on. But years ago, when we were “dirt poor,” we started doing something that has stuck with us to help avoid impulsive and costly purchases. It has also helped us to stay focused on what we really want and has given our kids and us great satisfaction. It’s something we call a wish list.

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13 Ways to Destroy Your Kid's Financial Future

Kids and Money

It was a Tuesday — 99-cent scoop night at Baskin Robbins. Several Boy Scout adult leaders were sitting and talking at a table while the kids were getting ice cream. One dad looked at Steve and said, “My 16-year-old daughter has put a full-court press on me to give her a car. All of her friends at school are getting them — and we’re not talking used Chevys — it’s more like BMWs. What do you do for your kids when it comes to cars?”

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Refinancing Reviewed

Refinance Your Home

“Rates Have Never Been Lower!”

“Get out of that ARM and start saving money!”

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Back On Financial Track

On Target, On Track

We had been working hard at getting out of debt when my husband quit his job. We had to cut back to just the minimum debt payments for a while and unfortunately accumulated more debt while we struggled to get by. After reading the your book we did many of the things you suggested. We cut out as many non-essentials as possible, had two yard sales, three months apart, and sold other items through the newspaper and word of mouth. Our church and friends helped us out  with food and some other expenses.

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Starting On The Right Foot

in
Just Married

Stephen and I are in our first year of marriage — married in March 2007— and we have faced the challenges so many young couples face when trying to get their finances in sync with a new lifestyle. With God’s grace, we are now using your budget sheets and the money is actually staying IN our account. We read your book TOGETHER on a trip from visiting family in Ohio to our new home in Virginia. We loved it! We laughed, we cried — it changed our lives. Thank You!

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15 Ways to Wreck Your Food Budget

Shop, smart

Learning to manage your grocery expenses is one of the fastest ways to start healing your family budget. Whether it’s due to being uneducated, too busy or just not caring, we see so many families practicing shopping habits that drive their food costs through the roof. Take this test and see if you are one of the violators:

Put a check mark next to any statement that describes something you’ve done in the past six months:

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