Dollars and Sense

Lessons My Early Morning Paper Route Taught Me

I never received an allowance, nor did I ever expect one.  My older siblings (there were six of us altogether) worked for their spending money, so I always assumed I would do likewise.   Although I picked up a few bucks mowing lawns in the neighborhood, at age 14 I sought and secured my first real [...]

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How Healthy Boundaries Make Healthy Relationships … and Finances

The principle of establishing healthy boundaries is one that has given me the courage to say “no” when yes is the wrong answer.  Although I published the following  post nearly two years ago, I am resurrecting it for those who may have missed it.  Hopefully, the message will impact your life like it has mine!

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How Does a Payday Loan Work?

A Payday loan (also referred to a payday advance) is a small, short term loan which is secured against the borrower’s next pay check.  Most lenders will require some verification of employment or income, such as a pay stub or bank statement.

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How Reading My Mail Saved Me $1,566.87

Because the letter was in a very plain, unofficial, innocuous looking envelope,  I nearly pitched it.  However, I decided to give it a look.  Good thing!  Here it is:

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Creative Ways to Make Extra Money on the Weekends

In spite of the fact that our recent recession has pushed many people into second jobs, the desire to earn extra money is nothing new — this spirit of capitalism has long imbued our culture, driving us to work hard in order to earn money, purchase the items that make our lives easier (or more [...]

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You CAN Cope With Rising Gasoline Prices! Here’s How.

It’s happening again!  Gasoline prices are on the rise and no one seems to know where they will stop.  I realize that watching those prices escalate can be depressing, but I urge you to take a deep breath, reassess your finances, and make the appropriate adjustments.  Prices may be skyrocketing, but the sky isn’t falling…you [...]

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Frugal Is Not the Same As Cheap

Have you ever been called “cheap” by someone whose spending is out of control?  How do you react?  Hopefully, you can simply smile and consider this designation as a backhanded affirmation that your frugality is being noted.   Of course you may indeed be a cheapskate:  always pinching every penny, never being satisfied with however much [...]

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Is The Check Engine Light On For Your Finances?

It usually catches you when you least expect it and often means that you’ll be shelling out some money in the near future.  Yes, I’m talking about the check engine light in your car. (Were you expecting me to say kids?  I suppose that works too!)

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Are Separate Checking Accounts a Harbinger of Marital Problems?

In my financial counseling practice, I occasionally meet a couple who operates their household budget from two separate accounts: a “his” account and a “her” account.  When I ask them why, they normally respond with,  “I am not sure” or “We have always done it this way” or “I like to control my own money” [...]

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