Have you heard these? “Isn’t the average credit card debt something like $15,000? My $12,000 isn’t all that bad, is it?” “Yes, I pay $600 monthly on car payments, but everyone has car payments.” I have — in fact I heard these two statements in the past two weeks: people justifying their dismal financial standing […]
How Did Our Christmas Experiment Go?
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 […]
Are You an “Impossible” Thinker or a “Possibility” Thinker?
The biblical story (John 6:5-13) of the boy with five loaves and two fish is about more than this boy or even the miracle of feeding five thousand people. It is about human nature and possibility thinking. As we prepare to start a New Year, the lessons we learn from Phillip, Andrew, the boy […]
Get in Shape in 2012 Without Breaking the Bank
This phrase usually makes its way onto New Year’s resolution lists every January: “Get in shape.” Another common one is “get rid of debt.” The problem with these two goals is that, if not approached the right way, you could end up getting in even more debt and staying in the same shape that you […]
3 Ways To Recover From Christmas Over-Spending
Even with all the advice here at Personal Finance By The Book, you still managed to overspend this holiday season. It’s not that surprising; one-in-three Americans put their holiday on credit cards. Many more used loans, credit lines, and same-as-cash deals to pay for the big day. And with presents, eating out, travel, and increased […]
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