Category Archives: Planning for today

Ways to save money

One unfortunate fact of our psychological make-up is that humans, by nature, aren’t exactly wired to save. Still, we’re constantly looking for the best ways to save or, should I say, the easiest ways to save. Blame our caveman ancestors … Continue reading

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Money matters and other notes to my younger self

If I had the opportunity to give a note to my younger self with life lessons on it, I would start with financial advice. First, I’d encourage her to engage with money matters as soon as possible and, also, to … Continue reading

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A financial to-do list for same sex couples

It’s been a year since the Supreme Court struck down part of the Defense of Marriage Act of 1996, a ruling that allows people who live in states that allow same-sex marriage to receive the same federal benefits as heterosexual … Continue reading

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Ideas for how to get out of debt

I have to admit it bums me out when the numbers don’t tell the whole story of how to get out of debt. If one interest rate is lower than another, I want it to be natural that borrowers will … Continue reading

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Checking your credit report and score

How long has it been since you checked your credit report and score? If the answer is more than a few months, it’s time to do it again. That’s because your credit scores are more important than ever as a … Continue reading

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When to refinance a mortgage or recast it

UPDATE: One of our readers, Petunia 100, found an error in this post. Recasting does not lower your interest rate—the only way to lower your interest rate is to refinance your loan. Sorry about that, and thanks, Petunia, for catching… Continue reading

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Are you aware of how retailers try to influence your shopping habits subconsciously?

As a savvy consumer, you know by now that stores are set up to cause you to spend more. You might avoid the inner aisle of the grocery store for this reason, or clamp your hand over your wallet as … Continue reading

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Do top ten lists influence your buying decisions?

As an author, I know how important top-ten lists are. But you don’t have to be a writer to understand the relevance of these rankings — in fact, as a consumer, they’re just as important. If you’ve ever shopped on … Continue reading

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Are you comparing yourselves to others?

Be honest: How often do compare yourself to others? Maybe it’s something small, like the fact that the neighbor had his or her front porch painted and now yours looks shabby in comparison. Or a co-worker got a few new … Continue reading

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Will specific steps help you reach your goals?

We’ve all done it: set a goal or resolution, then felt enthusiastic and committed to achieving it…for about a week, after which life returns to normal and the budgeting workbook or the fancy gym clothes lay forgotten in the corner. … Continue reading

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