Online budgeting software

If you are looking for personal finance software, there are many options to choose from. Some are free, while others charge some type of a monthly fee.

What are your options? Here are just a few:

Mint Mvelopes [...]

Using your home to pay off credit cards

Thinking of getting a home equity line of credit loan to pay off your credit cards? This is not a good idea for a few reasons.

If you can’t pay the debt, they can take your house. Most [...]

The government does not create jobs or an economy

Say it. Say it again. Until you believe it. I think it is true. The government does not create jobs (other than Federal jobs that is). They also do not create an economy. In fact, if anything, they [...]

Financial advice for young people

If you’re in your teens and are not earning money yet, let me give you some wise money advice.

Avoid borrowing money if at all possible. Only buy things when you have cash. If you don’t borrow money [...]

The government and big business wants you in debt

The Government and credit card companies want you to be in debt until death. The book by Dick Morris called Outrage tells all about how we are being overcharged for student loans, and credit cards. But we don’t [...]

Dave Ramsey and the baby steps

What are the baby steps? They are a 7 step plan on how to deal with debt and handle your money. They come from Dave’s book: The Total Money Makeover. Frankly I think that reading this book and [...]

Reasons why you are likely broke and living paycheck to paycheck

You are not on a written budget and keeping track of your spending on a daily, weekly, and monthly basis You are overspending (Most Americans spend 10% more than they make). You have way too much debt. [...]

Everyone should see Maxed out

http://maxedoutmovie.com/clips/trailer.html

All about the credit card industry, collectors, how the credit card industry is set up to make them rich at our expense.

Some stats from the movie, which was made in 2006

Average US household has $9,205 [...]

Why a paid for home is a smart idea

100% of the time, a paid for home can’t be foreclosed on.

Is buying a home an investment?

I overheard some people at work talking the other day. They were saying that buying a home is the smartest thing you can do. It’s a great investment.

Years ago I would have agreed. These days, I am [...]