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How to Prepare for Disaster Without Going Broke

How to Prepare for Disaster Without Going Broke 1

Have you ever seen the television show “Doomsday Preppers“? A few weeks ago on a Friday night I happened across the show on the National Geographic channel. It was dedicated to telling the stories of people or families who are preparing for the modern world to collapse. It might be someone who really thinks 2012 … Read moreHow to Prepare for Disaster Without Going Broke

What is the Latte Factor® and Can It Really Make You Rich?

What is the Latte Factor® and Can It Really Make You Rich? 16

One of the most recognized concepts in personal finance is the Latte Factor®. David Bach trademarked this concept as part of his personal finance and financial planning ideas. The basic concept is this: If you stopped spending money on a high-priced latte each day, you could save up enough money to be a millionaire. Of course, … Read moreWhat is the Latte Factor® and Can It Really Make You Rich?

Do You Think Making Your Own Applesauce is Worth It?

Do You Think Making Your Own Applesauce is Worth It? 19

In early October, my mom came over and taught me how to make homemade applesauce and bottle it for future consumption. Anyone who knows me is well-aware that I’m not what you would call a homemaker. However, I had a great time bottling applesauce with my mom, and I felt good about the fact that … Read moreDo You Think Making Your Own Applesauce is Worth It?

What is a Layaway Plan? The Advantages and Disadvantages

What is a Layaway Plan? The Advantages and Disadvantages 22

Halloween is over and the holiday shopping season — don’t fool yourself…it starts way before Thanksgiving — is underway. One of the items making a comeback since the recession has been the concept of layaway. If you are considering making larger purchases for the holidays, layaway can help you avoid the costs associated with putting … Read moreWhat is a Layaway Plan? The Advantages and Disadvantages

Should You Buy an Extended Warranty?

An extended warranty is available for purchase when you buy certain products such as consumer electronics and automobiles. It adds additional warranty protection either from the time of purchase or after the manufacturer’s warranty expires. While having an extended warranty to use when something you buys breaks or stops working is nice, the cost can … Read moreShould You Buy an Extended Warranty?

3 Power Tips to Take Control of Your Expenses

3 Power Tips to Take Control of Your Expenses 26

When it comes to personal finance, you essentially have two major areas of focus: your income and your expenses.  On the income side, you’re dependent on a number of external factors such as the economy, your employer, your tax rate, your industry, etc.  These external factors can sometimes work against you, making it difficult to … Read more3 Power Tips to Take Control of Your Expenses