Wise Financial Choices

Few of us make as much money as we’d like. But even those who do have to live within their means.

Sometimes there’s not a lot we can do about the size of our paychecks, but what we do with that money is completely within our control. It’s a matter of planning well, and sticking to a tight budget.

The best time to start planning is before you have kids. This is when it’s easier to set aside small amounts for emergencies. And never use credit cards as a way to buy now and pay later. Only charge what you can pay off at the end of each month and you’re likely to stay out of trouble.

Also, don’t feel like you have to have the best of everything. Driving new cars is a luxury many families simply can’t afford, even if they can qualify for financing. Just because you can get a loan doesn’t mean you can afford the payments. Consider what really matters!

More Tips

How you see yourself as an adult depends largely on how your parents saw you when you were young. That’s a good thing to keep in mind when it comes to our own kids.

How can we really keep Christmas simple and not feel overwhelmed?
What can we do to create a time of joy, peace and genuine goodwill?
Here are a few ideas that can help.

With songs about Santa playing in the supermarket and advertisements pressuring us to spend more money, Christmas can become a little distorted.

Did you know that for many people the most depressing time of the year comes right after the holidays? We’re all so wrapped up in getting the house decorated and the presents bought that we don’t seem to have a minute to relax.

Getting kids to bed can often feel like pulling teeth. But not if you work at making bedtime special.

Before making a big decision, make sure it’s you making the decision, not your emotions.

Ever met a teenager just wired to achieve? Well, that doesn't happen by accident.

Ambitious teens usually come from households that put a high priority on goal setting.

Here’s a great game you can play with your spouse! It’s called, “Let’s see who can be the most courteous.”

It’s an easy game to learn, and you only need two players. All it takes to play is a little love and a lot of imagination.

Tired of diets that don't work? Why not blame your scales?

The best thing about marriage is also the worst thing about marriage!

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