Differentiate Between Habit and Gimmick or Die a Slow Financial Death

I can smell a gimmick from a mile away, but I still make dumb financial choices.  Unfortunately, the world is full of costly gimmicks. Have you heard about the new pill?  It will help you lose 25% of your body weight in 25 days.  Best of all, it's been scientifically proven to work. For four easy payments of $29.95 you can get a one week supply of the pills. Why are there those types of ads … [Read more...]

Craig’s Chronicle of Recent Dumb Financial Mistakes & Life Lessons

Disclaimer: This post will use the word 'dumb' a lot.  If you don't like the word, then I suggest you don't read this post.  :) My list of dumb things I've done has been growing at a rate faster than I'd care to admit. Being dumb is expensive. I just hope the rest of 2013 isn't as expensive as the first few months. For all my comrades in dumbness, I dedicate this post to you so you'll … [Read more...]

Personal Capital Review | Track Your Finances Online for Free

Several months ago, I signed up for a Personal Capital account so that I could try it out and let you know what I think. In my best personal finances software post, I explain that your needs are the biggest factor in determining the best tool for you.  Personally, I like to track my finances, but I do think there is such a thing as spending too much time and energy tracking your … [Read more...]

I Got Scammed! 7 Important Lessons from My Dumb Decision

Yes, indeed - I made a dumb money decision and broke a lot of my own financial rules in the process. First, let me tell you the story. How I Got Scammed: The Saga of Ignorance and Impulse Right now I'm using my MacBook Pro with an external monitor hooked up.  I've been doing some video recording and editing as part of a new workshop I'll be announcing in the near future.  Anyway, I've found … [Read more...]

How to Revive Your Finances, Fitness, and Faith in 21 Days

What does it take to get out of a rut?  How do you develop a pattern when it seems like you've tried to change but often ended up with dismal results? Over the last few months our family hasn't had much of a routine.  We've been here, there, and everywhere.  The unfortunate result is that we've let some of our daily routines slip. However, for the next three weeks, life will be as normal, … [Read more...]

7 Fundamental Foundations for Fixing Financial Failure

Broadly speaking, there are two different types of people in this world. You can easily tell which kind of person they are by listening to them for a few minutes. You can easily tell which kind of person they are by watching what they do. The two types of people are those that take responsibility for their actions, focus on what they can do, and devote their energy to what they can … [Read more...]

How to Buy Cars With Cash

For some folks, the idea of trying to buy cars with cash is a fairy tale.  They think it is a dream that others can enjoy, but they will never enjoy.  However, here are some practical steps you can take to get yourself behind the wheel of a car - not in front of a loans desk at the bank. In a previous post, I showed how much money people can save by paying cash for a car instead of car … [Read more...]

Using Robo Form to Organize Your Finances

For approximately three years now I have used a program called RoboForm to help me organize my finances.  I have absolutely loved RoboForm and I think it could help you organize your finances (no, I don’t get a commission for saying that).  If you are looking for a way to organize your internet related financial information, I suggest you check out RoboForm. How I use RoboForm to Organize my … [Read more...]

28 Tips for Organizing Your Finances

One of the six habits of the financially fit is to organize your finances.  Unfortunately, many people are unwilling to organize their finances because there is simply too much to do.  I am reminded of a proverb that says, “How do you eat an elephant? One bite at a time.”  Reduce financial organization to individual tasks.  Instead of saying, “I need to organize my finances”, say, “I need to … [Read more...]

Four Borrowing Boundaries To Help Avoid Debt

In the first post of this series we asked Should a Christian Declare Bankruptcy? Unfortunately, due to the stain of sin many Christians are in situations where they must decide if bankruptcy is their best available option.  As we concluded, in the first article I pointed out that churches and Christians should devote their time and energy to helping people avoid bankruptcy instead of simply … [Read more...]