John and Deborah are a young married couple with decent jobs, bringing home $5,000 a month. Tired of their hand me down couch, they responded to a newspaper ad which claimed, “Easy Payments: 24 Months Same As Cash!” Once they saw … and sat on the leather couch, they knew it (and the matching love […]
Three New Car Purchases to Steer Away From
Nothing like a new car. Right? After all…it is – new! It drives like new, it has the new car smell and you are the very original owner. But there are times when a new car is exactly what you don’t need. Here are three:
Request for Advice: Is Using 401(k) Funds for College Education a Wise Move?
A friend recently sent me the following email: “… here’s a question to challenge your finance column. I’ll make it a little hypothetical. “Our son graduated from college and is working to save money for graduate school. In college, he accumulated over $20000 in student loans (avg. 7%) and desires to pay them down ASAP […]
How to Pay Off Your House (and everything else) Early
“It seems like we will be making house payments forever. We owe $140,000 at 6% interest and are paying $1000 a month. How much sooner could we pay off our mortgage early if we started paying an extra $100 a month?”The above is a hypothetical question, but it could be you. There are two answers: […]
A Great Phone Call
As you may know, I am a self employed financial counselor, meaning that I help people devise a plan to reach their financial goals. I wish that I could say that every story has a happy ending, but life is real and story book endings don’t always happen. You may remember reading The Sad Tale […]
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