A good question to ask about debt is…..how much is too much? Consider a debt to income ratio to guide you. If you rent your home, you can figure that your total debt load should be no more than 20%. So, as you are putting a pencil to paper, write down your total income for […]
Keeping Money in Your Pocket through an Energy Audit
It is coming. You know it is. The weather in December of 2014 was cooperative, but winter is headed our way. This high energy time of year can take more of your spending dollar than you want to give. Maybe today is a good day to take a walk through your home and consider your […]
The Growing Concern about Financial Literacy for our Children
When should children learn about personal finance…you know, how to work with money? The vast majority of Americans believe personal finance needs to be taught at least as early as high school from a paper produced by the Whitehouse in 2010. But is that early enough for all our children need to learn about money? […]
Just what is ‘quinoa’?
It is always fun for me to look around at a few new foods at the grocery store. Right now, groceries as well as restaurant menus are sporting a food that you might be unfamiliar with…..quinoa, pronounced ‘keenwa’. Just what is quinoa? It is not a grain, but an edible seed. It is not a […]
Savings… Savings for What?
It has always been interesting for me when I talk with people about money. Sometimes it is money worries like a foreclosure due to a loss of job or learning how to manage money when setting a budget in place to pay a first mortgage. When the word budget comes up, the eyes of many […]