Pop Quiz: List five essential principles for financial well being. How did you do? My guess is that several of these are on your list: Live on less than you make. Get out of debt and stay out of debt. Set goals and keep them. Use a budget. Work hard and work smart.
Why I am Not an Entrepreneur
There is a reason I am not an entrepreneurial success: I don’t have a clue what people will buy. Time after time, I have been wrong about innovations which have proven hugely successful. The fact that I still don’t understand the success of these products means that the possibility of me ever coming up with […]
Envelopes: The Glue That Holds Your Budget Together
“I get worn out trying to track every dollar.” “It just didn’t work.” “I’m not a numbers cruncher.” “Budgets are just too complicated.” Sound familiar? These are just some of the reasons why Janice and I have struggled with budgeting over the years. We would diligently write the numbers on a yellow lined pad, but […]
4 Ways to Avoid a Retirement Identity Crisis
If you think of yourself as “Jim the carpenter” or “Fred the accountant” or “Mary the teacher,” you may be facing an identity crisis when you no longer are performing the vocation you identify with. According to a Consumer Reports National Research Center study, those who struggled with that loss of identity at retirement had […]
What Keeps You Awake At Night?
A Discovery Health study indicates that 80 percent of respondents do not get enough sleep. Furthermore, the effects of sleep deprivation are much more profound than feeling a bit drowsy: memory loss, weight fluctuations, a weakened immune system and high blood pressure. And the number one cause, according to sleep.com web site, is stress. Some […]
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