Budgeting

financial behavior spending patterns

Financial Behavior Matters: Why We Repeat the Same Spending Patterns

You probably don’t know this, but your financial behavior determines whether you reach your goals or fail miserably. I can take a look at my past spending patterns and identify major mistakes and struggles that were repeated over and over and over again. Why is it that we tend to revert back to our old …

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no gift Christmas stop exchanging presents

How to Stop Exchanging Presents and Have a No Gift Christmas

I realize that it’s only August, but that means that Hobby Lobby and Target will soon be decorating for Christmas. If your family is anything like my in-laws, you might find it difficult to stop exchanging gifts and start a new tradition: no gift Christmas. Some of you may even be cringing as you think …

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laid off from work

5 Financial Adjustments to Make if You’ve Been Laid Off From Work

Being laid off from work is a real fear facing many Americans today. How are you to cope when you unexpectedly lose your job? We can’t rely on unemployment as a reliable source of income for very long. It’s simply not enough. I actually experienced this when I worked for a financial institution back in …

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