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Personal Finance By The Book

Personal Finance By The Book

Spending Money You Do Not Have

March 7, 2011 by Tim 8 Comments

Consumer debt in America has skyrocketed. According to the U.S. Treasury, consumer debt has jumped from $355 billion in 1980 to a staggering $2.4 trillion in 2010.  With credit cards as one of the biggest culprits of America’s spending spree, it’s easy to see how we’ve fostered a society that thinks it’s OK to spend […]

Filed Under: Budgeting, Debt, Random

5 Ways to Stretch Your Christmas Budget

November 29, 2010 by Joe Plemon 12 Comments

5 Ways to Stretch Your Christmas Budget

The shock of that January credit card statement motivated you to start your 2010 Christmas Club account and avoid Christmas debt this year. Good for you. So far you haven’t charged a single penny.  Great!  Just one small problem: your gift list is longer than your budget. Take a deep breath. You are going to […]

Filed Under: Debt, Dollars and Sense

Why America Is Doomed to Debt

November 22, 2010 by Joe Plemon 19 Comments

Fixing the national debt is not about politics or economics; it is about human nature.

Filed Under: Debt, Economy, social security, Taxes

Financial Tips for Life After Divorce

September 22, 2010 by Joe Plemon 19 Comments

Financial Tips for Life After Divorce

I have heard it said that divorce turns marriage into a financial transaction. Any of you who have been divorced will vouch for the truth in those words. On a personal note, my parents were divorced when I was quite young and my family has seen divorce up close several times. We know that making […]

Filed Under: Debt, Dollars and Sense, Life Planning

Four Ways a Part Time Job Will Change Your Life Forever

September 20, 2010 by Joe Plemon 30 Comments

If you associate “part time job” with drudgery, exhaustion and meaningless toil, this article is not for you. The right part time job, however, done with purpose and parameters, can be a life changing experience. Read on for four ways a part time job can change your life forever.

Filed Under: Career, Debt, Life Planning

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