I recently shared a real life story of how creating a “no” policy before you need it can not only give you clarity and grace in saying no, but can help avoid awkwardness when trying to find the right words for your no. In this case, we enacted our “no” policy to co-signing, but we […]
Create Your “No” Policies Before You Need Them
Some friends recently dropped by “to talk”. Once the iced tea was served and the four of us were comfortably seated around the dining room table, I turned to Dave (fictional name) and asked, “So tell me. What’s going on?” Dave said, “Joe, you know we have been on the waiting list to move into […]
You CAN Afford That Baby – 10 Money Saving Tips
You have read those cost projections for raising children. MSN, back in 2001 projected a cost of $249,180 (over $350,000 in 2010 dollars) for a family with a $65,800 or greater income. The Baby Center web site tells us the cost of raising a child from baby to adulthood is $266,698. The Wall Street Journal […]
“No” is a Great Word. Five Biblical Reasons For Using It
How do you handle these situations? Your best friend lives from one financial crisis to another. She asks you to loan her some money for groceries “just until payday”. Your 18 year old nephew who works sporadically and has never saved a penny begs you to co-sign a loan so he can buy his very […]
When is a Scam a Scam?
Have you ever been scammed? When and how? And was it really a scam? While most of us know a scam when we see it (an unsolicited email asking you, in broken English, to help transfer a million dollar inheritance from a Nigerian account), not all “scams” are that easy to spot. For example, if […]
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