Monthly Archives: November, 2010
The Needs Improvement List
My budget-analysis for 2010 reveals that I need to improve in the following areas – I need to spend less money on convenience store items – bottled water, sodas, chips, etc. When I fill up at the gas station, I almost always grab a snack, too. This habit is bad for both my waist line [...]
Over 8 Million Users Stopped Using Credit Cards In 2010
According to a recent press release from credit bureau TransUnion – TransUnion’s analysis estimates that more than eight million consumers stopped actively using bank-issued, general purpose credit cards over the past year. This deleveraging is believed to be due in part to charge-offs in the higher risk segments of the population, more conservative spending in [...]
Do You Know How Your Mortgage Lender Applies Additional Principal?
Each month I make my regular monthly mortgage payment – the fixed payment amount found on my monthly statement. I use billpay from my bank. My lender requires that a full, monthly mortgage payment be made. In other words, I cannot split my payment into two payments, sending half on the first day of the [...]
More Than Just The Numbers
Sometimes, money management is about the numbers, the percentages, and the rates. Often, however, it is about attitudes, choices, and behaviors. When it comes to staying motivated, and moving forward, here’s what works for me: I consult the Scriptures and pray about our finances. As a Christian, every area of my life is important to [...]
