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Tag: money management

Having the money talk: Should you merge your finances?

Your sweetie has a financial history: school loans, credit card debt, gifts from parents and career choices and plans. You handled money separately until now — what next? We asked three financial planners what goes into the choice of merging finances or staying...

Tips to Stay on Road to Financial Freedom

Congratulations! You’ve made the courageous decision to commit to financial sobriety. You’ve committed yourself to creating a spending plan, paying off your debt, creating an emergency fund, and fully funding your financial independence. This probably means you’ve...

Simple Formula For Financial Sobriety

From time to time I offer financial courses through Community Education of the Black Hills. Classes on the fundamentals of making good investments and how to do your own financial planning usually fill quickly. A class on “financial sobriety”—how to change...

Balance Frugality and Cozy Retirement

“Be frugal.” “Save for the future.” “Live on less than you make.” That’s my usual financial advice, and it’s well worth repeating even though too many Americans aren’t following it. Sometimes, though, I find it...

How To Be a Better Money Waster

Watch this video on YouTube Be frugal. Live on less than you make. Save for the future. It’s my message, and I’m sticking to it. Just in case you’re getting tired of that message, though, let’s take a look at thrift from a slightly different...