Taking Charge of Your Finances

What do you want your money to do for you? Would you like to dig your way out of debt? Do you wish you could save more money each month? Would you like to have more to spend on the things that are most important to you? If so, you need to take a good look at your goal setting, credit, saving, and spending habits. You can’t have everything, but you can live with less worry and make the most of your money by setting goals, handling credit responsibly, saving for the future, and spending wisely. Take charge of your finances by taking these steps: Continue reading

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How Does Smart Phone Use Affect Face-to-Face Relationships?

http://www.cbsnews.com/video/watch/?id=50144131n

What effects do your smart phone habits have on your face-to-face connections with other people? Do you believe that your smart phone usage has affected your capacity for humanity? Please explain.

Take Your Job Search Offline

Would you be surprised to learn that in the age of the Internet and Social Media there is a better way to search for a job? As a cooperative education teacher I repeatedly told my students that the people you know or those with whom you communicate personally are more likely to lead you to your next job than any other approach. Apparently, my advice still holds. Continue reading

Making the Most of Your Small Place

Decorating small rental spaces presents unique decorating challenges. With a little creativity, you can put your personal stamp on your place without spending a lot of money.  A few decorating tricks will help you make your space look larger than it really is. Careful planning will unify your walls, ceiling, windows, floors, furnishings, and accessories to get the look you want. You can even find ways to add storage to make space more functional. Continue reading

How Spending and Saving Habits Affect Your Future

On her blog, Surviving Adult Children Living at Home, Christina Newberry recently shared an infographic from BillShrink.com about American saving and spending habits. The infographic points out that the average American spends 94% of their after-tax disposable income and that 43% of American families spend more than they earn. Continue reading

Buying Your First Home

After saving for a down payment and establishing a good credit rating, you are ready to start looking for your first home. Not so fast! Before you start searching the internet and trolling your favorite neighborhood, take time to educate yourself about the real estate market in your area. Continue reading