More often than not it is the little changes over time that make the biggest difference. Think about it. If you wanted to loose weight I doesn’t just happen over night. You need to make small changes in your daily lifestyle, and then over time those changes will result in overall weight loss. How to manage money is the same. It is the small changes in money habits compounded over time that will make the biggest difference. If I said one change a month for a year could get you out of debt, would you believe me? Lets look at it closer:

Ask yourself, could you save $10 a month each month for a year? It wouldn’t be that hard. All you would need to do is take one expense each month and focus on how you could reduce it by $10. For example: if you gave your cable company a call and removed some of the channels you never use. If you are able to do this for 12 straight months here’s what the reward would be:

Lets say someone has $5, 000 in credit card debt at 18%. Here’s the breakdown: Read the rest of this entry

It’s no secret that having children can be one of the most exciting, daring, enjoyable and frustrating things any adult will ever do. It’s also a pretty well known fact that kids are very, very expensive. With the cost of diapers summer camp, football, dance class, clothes food and college (just to name a few), your standard of living will change. Below are a few tips to help you learn about your kids and how to manage money.



Read the rest of this entry

Have you ever spent way more money than anticipated on a date trying to make a positive first impression or re-kindle an old flame? Here’s three ideas I use when I try to be responsible and manage my money while planning romantic outings without appearing cheap.



Hiking and a Picnic – When we were dating, I thought my wife would be impressed with an expensive meal and a show. Then, along the way I learned to manage my money and tried a cheap dating idea. I Read the rest of this entry