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Where Does It Go?

“I just can’t figure out where the money goes.  We should be doing well with our salaries, but we never seem to have anything left over at the end of the month.” My client’s frustration is shared by many other people I’ve worked with over the years, regardless of...

How Thin is Your Ice?

When something goes wrong, how do you respond? Last Thursday morning I read that opening line in Seth Godin’s blog, and I had to laugh. A few minutes earlier I’d received an email from the associate pastor of my church, letting me know the food and preparations we’d...

How Much Do I Owe You?

May is a great month for so many reasons – beautiful weather, the kickoff of summer and best of all 11 more months before we have to file taxes again!  As sure as May is to bring us reasons to smile, April can be a little more moody.  Rain and persistent cold can pop...

The Solution to Maintaining a Budget is Awareness

(from Carl Richards’ in the 4/25/2016 New York Times – click here for the original post. Carl Richards is a financial planner in Park City, Utah, and is the director of investor education at the BAM Alliance. His latest book is “The One-Page Financial Plan: A Simple...

Return on Investigation

When my husband and I started merging our financial lives, we approached it in what seemed like a reasonable fashion.  We each had separate accounts where our income would get deposited and a joint account that we used to pay common expenses.  We each contributed half...