Domestic Finances...

For some it is difficult to keep track of spending and follow a budget.  There is a great computer program that can make this whole process so much easier: Microsoft Excel.  With this program you can record and stay in control of your finances which will release tension that can accompany this type of work. Home maintenance repairs need to be kept track of so you know the last time the boiler was serviced. Microsoft Excel can track your home maintenance schedule so you are ready for those things that need inspections annually. Another feature is when things get overdue,...

Cut Your Monthly Expenditures...

Everyone can use some ideas for ways to cut our monthly expenditures. Here are some that you may or may not be able to use. Compulsive buying is the worst thing you can do to yourself. People buy on impulse because of a sale of just because they want it. Every time you pick up something you want, stop and ask yourself if you can live without it.  Comparison shopping is not done very ofter either. Call around or check online before you leave the house. Butting back the thermostat by just a few degrees can give you a lower energy bill each month. Put on a sweater when you...

Keeping up with the Joneses...

Do you watch your neighbor and wonder how he keeps bringing home new cars and hires yard workers to keep his landscape looking perfect?  Like many Americans, he is probably in debt up to his ears. Material possessions, whether or not we can afford them, is part of the bigger and better life. Advertising today tells us that with a loan or credit card, we can have anything. But so many people spend way beyond their means and just dig themselves into a hole that cannot get out of. But why do they do it?  Studies tell us that American work hard and commute to jobs they hate...