I know too many people who excuse extra-budget purchases by saying, “It was on sale.” There are few acceptable excuses for breaking your budget and a sale isn’t one of them, especially if it keeps you from meeting some other obligation. Sales are marketing tools that businesses use to get people to spend money. Everyone […]

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Spending money has never been more convenient than when debit cards were invented. Debit cards may have made it a little too easy to spend. When you use your debit card, it’s hard to keep an idea of your account balance. You can swipe to your heart’s content and won’t know whether you’ve overspent until […]

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I don’t believe in diets. I know people who are chronic dieters that never lose weight. There’s something about depriving yourself that makes you splurge later on. I advocate changes in eating habits. I have the same view about budgets. Budgeting doesn’t mean you can’t spend any money leisurely. If you try to budget that […]

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Who doesn’t want more money? The internet seems like a quick, easy way to get more money. The internet is a quick, easy way to to get scammed. In person, you might recognize a smooth talker who just wants to get your money. But on the internet, when you can’t read body language or the […]

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I live in a family with generations of quilters. I’ve known how to sew since I was a little girl, but never really took an interest in it until recently. Let me tell you, quality fabric with attractive patterns can be quite expensive. Fabric for just one quilt for a full-sized bed costs $37. It might not […]

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I used to completely ignore financial advice given by people who are broke. If they have no money, what could they possibly tell me about managing money. If you think about it, you could learn a lot from a broke person. They’ve obviously made some heavy financial mistakes. If nothing else, they can tell you […]

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