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If you’re anything like me, when you think about your next home, you probably envision the home of your dreams: granite countertops, fancy bathrooms, and closets the size of bedrooms. But dreams and reality are often very different. If you buy a home you really can’t afford and it’s a monthly struggle to keep up with the payments, then your home is more of a burden than a pleasure.
I never saved any money when I first started working. I felt it was all I could do just to make it from one paycheck to the next. I wasn’t deprived though - I was still going out to eat with my friends, seeing movies, and buying nice clothes whenever I needed a little pick-me-up. But I complained about “not having any money” and “being broke.” I had nothing put aside in case of an emergency and I was living paycheck to paycheck. I was doing it all wrong. It took me years to realize that I needed to save first, spend second. Once I straightened out my priorities, I felt secure for the first time since I’d been on my own.
Saying there are positive points to consider regarding student loans is almost like rooting for the villain in a movie. Or hoping the long suffering underdog gets crushed. Or proclaiming a dislike for cute kitty pictures. It’s just not a popular move.
The chance to double your money certainly sounds tempting. In fact, if I close my eyes I can hear a carnival barker shouting it across the fairgrounds, attracting people anxious to get rich. It sounds awfully nice, just like the thought of winning the lottery or hitting it big at the casino. But is it actually possible?
How can I make my date feel special without blowing my budget? This question has plagued men since the beginning of time – or at least the beginning of Valentine’s Day. Make sure to have a plan. A small amount of forethought will go a long way toward easing the budget restrictions.
What’s the first thing that comes to mind when you think about President’s Day? A day off school or work? No mail delivery? The presidents we’re actually honoring that day? Or do you immediately think about buying a car? (This time of year we're inundated with commercials about great car deals.)
My favorite cartoon show when I was growing up was The Jetsons. In case you’re not familiar, it was about a family living in the year 2062 with pneumatic people movers, robotic maids and a push-button meal maker. So many things were automated and it made their futuristic life look like so much fun.
Here’s the thing. I want to be responsible with my borrowing. So do I really want to spend money on something I can’t afford right now? Honestly – when I look at the benefits of improving the energy-efficiency of my home – maybe I actually do.
With America Saves Week fast approaching, our hope is that you'll take action this year and start or improve on your savings habit. The article below by Katie Bryan will introduce you to what the week is and how to set goals and set up a plan this year.
In 2008, when the economy dropped into the doldrums, consumers put away their wallets to wait out the lean years. But a slow, steady recovery has finally heralded consumers’ return to confidence. In fact, over the past two years, personal income grew steadily in the U.S. According to the Bureau of Economic Analysis, personal consumption expenditures have increased every quarter since January 2010.
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