Personal Finance Made Easier

This article was written by ChristianPF reader Rick Cruse. “If I had it to do all over again . . .” How many times have you (if you’re over 50) said this to yourself? I certainly wouldn’t want to do the whole thing over again (I mean, nobody wants to re-experience junior high school). But – here’s the qualifier – I do wish I could have a do-over when it comes to finances. I don’t mean being reconstituted as a millionaire. I simply mean not frittering away a great many dollars (and shillings...Read Full Story

I recently posted some tips to save money on your cell phone bill over at One Money Design.  Those tips are fine to watch your cell phone costs, but what do you do when you receive your bill only to find it’s a lot more than you expected? This month’s Consumer Reports has a number of good tips to help you avoid “bill shock” (as they put it). I remember a few times when I opened a cell phone bill I saw that it was well over a hundred dollars more than what I expected it to be.  I learned a...Read Full Story

How much debt do you have? Well, I’ve accumulated quite a bit of debt over the last 10 years.  I suppose I’ve been a bit careless and now I’m starting to fill the pressure from it.  I mean, I can’t make my monthly payments anymore.  But…some of my debt is good, right? Really, what do you mean? It’s not all bad because I’m driving a car, I have a house to live in and I’ve got a great college education.  It’s just these darn credit cards some recent emergencies and, uh, a little over...Read Full Story

One of the common complaints of the non-financially sound is that there simply isn’t enough time to keep up with finances.  It is true that none of us want to spend our whole life working as an accountant for our own personal finances.  Instead, we would rather get out and live life. However, statements like “I don’t have time to make a budget ” or “I don’t have time to learn to invest ” are simply misleading at best and a lie at worst. Our Time Is Spent Doing Things That Are Important To...Read Full Story

First, allow me to give honor where honor is due.  This post was inspired by Qantas Airlines as we took off from Brisbane, Australia.  On the take off, we had a lot of turbulence, and for a moment I wondered if I had all my personal affairs in order. Death is a reality.  The only mystery is the time and the place. Each person will make decisions today that impact what is left undone at their death.  While this might seem like a morbid topic, this is an essential conversation for couples...Read Full Story