Monday, May 31, 2010

Thank You and Newsletter

On this Memorial Day Weekend I would like to say, thank you to all of the men and women who serve and have given their lives for America. I am forever grateful for the scarifies you make so that we the American people can be free. Thank you, Thank you, Thank you.

The other day I got a newsletter in the mail. These are the statistics that I found in the newsletter:

- Over 75% of college graduates will graduate without knowing how to balance a checkbook

- Finances are the number one cause of divorce in this country

- The average college student graduates with over $4,000 in credit card debt and over $80,000 in student debt.

- 46% of all Americans have less than $10,000 set aside for retirement

These are shocking but not surprising to me. Can we make a pack today? If you know how to balance your checkbook can you teach a recent college grad how to. I think this is so important to pass on your knowledge to someone else. It makes the world a better place.


Best wishes,

Janie

P.S. You have come to the right place if you are looking for information about getting out of credit card debt, paying off credit card debt, money tips, or for a friendly place if you are struggling with getting out of debt.

Thursday, May 27, 2010

Do you judge others by their spending habits?

Do you judge others?

I do. Sometimes. But I try to stop myself when I feel myself doing so.

I have found that a lot of people judge others for their spending habits. It is easy to do. For instance, I can't believe she is spending $300 on a pair of shoes when she has 3 children and there are starving children in this world to feed.

The next time you feel yourself judging someone else think about why you are judging them in the first place. Do you feel inadequate? Are you jealous? Do you think you are better than the person?

I really try not to judge others because I really don't know what is going on in that person's life. Why they are making the decisions that they are making?

Best wishes,

Janie

P.S. You have come to the right place if you are looking for information about getting out of credit card debt, paying off credit card debt, money tips, or for a friendly place if you are struggling with getting out of debt.

Monday, May 17, 2010

College Grads & Money

I have been out of touch lately because I am helping my husband find a job. This has been a team effort.

It is that time again and lots of college students are graduating. This is such an exciting time for many and a good time to talk to the college grads in your life about money.

Here an article as a starting point for a conversation: http://moneywatch.bnet.com/saving-money/blog/college-solution/5-financial-tips-for-college-graduates/2064/

Best wishes,

Janie

P.S. You have come to the right place if you are looking for information about getting out of credit card debt, paying off credit card debt, money tips, or for a friendly place if you are struggling with getting out of debt.

Tuesday, May 4, 2010

Counting my losses...

My husband's work situation is taking a toll on me. So many things have been put on hold because of it. I am so upset because I was planning on getting pregnant this year. But now that the job situation is the way it is we will still have to wait. Which makes me begin to think about all of the losses I have had in my life. I just recently heard about a doctor who tells her patients to write down all of their losses on a sheet of paper. Here goes...

My losses are:

- my mother leaving for an extended period of time when I was a child, I felt so abandoned
- losing childhood friendships
- feeling the heartbreak of my first relationship
- my parents divorce
- my loss of innocence
- my childhood home being sold
- death of my grandparents
- singlehood
- husband's job loss
- time

I can't think of anymore at the moment.

How does this all tie into personal finance you might ask? It is about debt. One of my biggest losses of time, money, and personal sanity was due to being in debt. I wish that I had money smarts earlier in my life. But I can't go backwards and I can't dwell in the past. So, I am going to reframe this entire situation in a positive way.

a. By the time I do have children, I will know more about personal finance.
b. I get to devote more prayer time to those struggling right now.
c. I get to devote more of my time to answering emails and helping those in need.
d. I have more time to educate myself.
e. I have more time to save for the baby's nursery, etc.

So, it is not all bad. Maybe you can think about a difficult situation you are dealing with right now and you can think of a way to reframe the situation in a more positive light.

Best wishes,

Janie

P.S. You have come to the right place if you are looking for information about getting out of credit card debt, paying off credit card debt, money tips, or for a friendly place if you are struggling with getting out of debt.

Saturday, May 1, 2010

Don't blow your budget on pricey wedding gifts

It is that time again. It is wedding season. Weddings can be expensive and not just for the couple getting married but for the guests as well. Here are a five tips that you can think about before wedding gift shopping:

1. Set a "wedding gift" budget

2. Get creative- homemade and heartfelt gifts can be so meaningful

3. Get a group gift- go in together for a bigger gift off of the couples registry

4. Stick to the registry

5. Offer your services- if you play a musical instrument or sing or take photographs maybe you can do this for the couple at their wedding

You could as use some of these ideas for birthdays, holiday, Christmas, etc.

Best wishes,

Janie

P.S. You have come to the right place if you are looking for information about getting out of credit card debt, paying off credit card debt, money tips, or for a friendly place if you are struggling with getting out of debt.
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