I love saving money. It has become my new passion in life. What is funny is that I am not a naturally frugal person. I am very spontaneous, creative and always looking for ways to change my routine. The important thing to remember is how to change your routine without changing your habits, but we will leave that for another blog post. Today I want to discuss […]
The basic premise of the article is that consumers waste billions of dollars each year on gifts that people aren't interested in. The data was pulled together by Joel Waldfogel, an economics professor at the University of Pennsylvania. He said that in the U.S. we waste about $13 Billion over the holidays by purchasing gifts that aren't valued by th […]
For Christians, the healthcare debate is especially troubling. Paying for abortion coverage under a healthcare plan is a primary concern. What options are available for Christians concerned about their money going towards abortion and other questionable practices?
As mentioned Free Stuff Friday changed to a monthly giveaway (on the first of each month) but due to the chaotic nature of my November, I am just getting around to it now. I am also a fairly recent Mac convert, so it might seem odd that I am giving away an upgrade to Windows 7, but I am well aware that many people still use (and some even love) Windows, so t […]
Eat at home. Restaurants can be expensive. If you don’t have room in your budget, you can save a bunch of money by making your own meals. Financial focus. Don’t try to do too many things at once. Focus on becoming debt free, saving an emergency fund, or saving for retirement, but don’t do all at once. Get going. The best time to start investing is today. Wit […]
Would you take out life insurance on your parents? Why or why not? Recently my siblings have been talking to my mother and I about taking a life insurance out for her, in the case that she passes, a sum of money could be left for her kids and grandkids. The idea would be that we would all co-fund this insurance with her and them.
The following guest post was written by CPF reader Amy Sullivan. We live in a country resounding “Instant Gratification!” as its lifestyle cadence call. But despite the fact debt has become a badge of the American dream, some folks are going back to saving money and paying for big-ticket items with cash. With this new concept, [...]
I once heard someone say, “challenges are just wonderfully disguised opportunities for growth.” I really do believe it to be true. Just like a strong physical body requires exercises that push it beyond what is comfortable, so a strong character requires challenges that aren’t comfortable. My newest challenge is that an advertiser owes me a […]
A charitable gift annuity is an excellent tool for charitable giving. Most charities and religious organizations offer gift annuities. Here I will outline some aspects of the gift annuity and I encourage anyone who is interested in pursuing this financial opportunity to contact their local charity.
Creating passive income is no get rich quick scheme. While it can really help you simplify your life by helping your personal finances, it still takes time and work to establish solid income streams. If managed properly, the income generated from these types of sources are well worth the effort.