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Personal Finance By The Book

Personal Finance By The Book

Are Separate Checking Accounts a Harbinger of Marital Problems?

March 12, 2012 by Joe Plemon 9 Comments

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” […]

Filed Under: Dollars and Sense, Family

How Did Our Christmas Experiment Go?

January 2, 2012 by Joe Plemon 11 Comments

After Christmas 2010, my family decided to try something different in 2011 … we agreed to fore-go our gift exchange in lieu of a family vacation.  Our logic was that creating memories was a better use of our money than buying gifts.  Why?  Because memories will pay great dividends as we watch those vacation videos, share […]

Filed Under: Family

Irvin’s Christmas Tree: A Timeless Gift

December 21, 2011 by Joe Plemon 4 Comments

I published this post last year and I may well publish it again next year.  It is not only a tribute to a man I loved dearly, but an inspiration to put others ahead of ourselves, even during the worst of times.

Filed Under: Family

How Has The Economy Changed You?

October 31, 2011 by Tim 1 Comment

A recent article in Money Magazine provided some interesting statistics.  A group of people was asked how they felt the economy would impact their lives.  From questions about children to retirement and family life, the results were interesting to read. 53% of Americans aren’t sure their kids will be better off than they are. How […]

Filed Under: Economy, Family, Life Planning, Retirement

Stake Your Debt Free Claim by Having “The Talk” This Christmas

October 3, 2011 by Joe Plemon 7 Comments

Fred and Angela have always loved Christmas, especially shopping for their kids and grandkids … unbridled shopping, as in thousands of dollars shopping. The problem is that Fred and Angela do not have thousands of dollars to spend on Christmas. To the contrary, they have tens of thousands of dollars in credit card debt, car […]

Filed Under: Debt, Family

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