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Budgeting Stinks. So Don't.

When most people hear the word budget, they think of boring weekends, ramen noodles, and sitting at home in a tiny, bare-walled apartment. No eating out, forgoing the good coffee, and endlessly clipping coupons. It sounds as dreary and unsustainable as the cabbage soup diet.…

Don't Just Count Your Blessings - Take Advantage of Them!

It's all over the news right now - the rising costs of education and out-of-control student loans. Too many graduates find themselves under tens of thousands of dollars of debt - before they even get started in life! Advice and articles abound about how to handle student…

401(k) Pitfalls and Things to Look For

All too often, we see young clients come in (and some not so young!) who can't answer the question when we ask what 401(k) match their employer offers. This got me thinking recently about this and other pitfalls people often fall into when setting up their 401(k) plans.…

The Tincture of Time

There's an old adage often used in the medical field - allow for the tincture of time. In other words, let time do its work in taking care of the pertinent medical issues. Time heals all wounds, right? In today's fast-paced, instant gratification world, we have been…

Your Future Self Will Thank You

A couple of weeks ago, we had a client come in who'd gotten into a bit of a tight spot in some financial areas. We went over everything and presented a few strategies to help get this client back on the right path and headed in a better financial direction, and we could see…

Living Within Your Means

You hear it all the time: If you want to be financially successful, you have to live within your means. But, what does that really mean? How does a regular person living life actually go about living within their means? Here's my unscientific definition: Living within…