The new school season is quickly approaching and now is the time to put into practice those good stewardship skills and goal setting practices learnt in the past.
Shopping this time of year can be overwhelming so the best thing to do is make a plan. The old saying applies here just as much ... Views: 1243
The other day I wrote an article on the arithmetic equation for having our prayers answered. A + B + F = C or affirmation plus believing plus forgiveness equals conclusion or answered prayer.
Today I would like to concentrate on B or believing. What is meant by believing? The most common ... Views: 2077
Know any good jokes? We all love them don’t we? They make us smile and feel better. This is in direct relation to Proverbs 17:22, “A merry heart does good, like medicine, But a broken spirit dries the bones.”
I suffer from chronic depression and have for over 25 years so I know the signs ... Views: 1147
It’s the summer here in the Northern Hemisphere and most of us are looking for some time off. With the economic crunch and the goal of living debt-free some will be paying off previous debts with very little or no funds available to go on a cruise, road trip or even to the local spa.
Can a ... Views: 1954
It is hard to believe but we do have everything we need in this life right in front of us. Acknowledging the fact that we have everything we need to be happy, healthy and whole is based on the meaning we project on the various objects and activities in our life. The hard part in the journey of ... Views: 1402
Many people neglect to see that financial security and their relationships with others are strongly connected to each other. Let’s look at the way this works.
Many of us think that knowledge alone qualifies us to making good financial decisions and thus entitles us to better positions and ... Views: 2218
I belong to quite a few groups, attend and teach at many workshops, conferences and meetings. In turn, I meet a lot of people and most of the time it is customary to exchange our business cards.
The question I have for you is why would you exchange business cards with someone if you had no ... Views: 1656
Yes, the flu season is upon us and those pesky germs are in the air. So what does this have to do with your credit card? Credit cards are usually stored in purses, trousers or jacket pockets. These places are warm and contain moisture which is a perfect environment in which germs thrive and ... Views: 1655
Let’s face it, once we have a car we love the convenience of being able to get up and go whenever we please so I’m not going to tell you to sell your car and use public transit. The tips I am going to give you are simple and practical.
Unless you are a salesman or need a new car for business ... Views: 1400
The push is on being green in everything we do and use. Today I would like to talk about being frugal with our water use in our homes.
Let’s start with the kitchen. If you have a dishwasher, you will not only save money on water but the electric bill as well if you only do a full load of ... Views: 1294
Those of us who have left our parents’ home and ventured out on our own have all asked ourselves, “Should we rent an apartment or house, or should we buy a house or condominium?”
It’s a good question which needs to be looked at from several viewpoints. The first viewpoint to consider is ... Views: 1444
My recent articles have talked about energy savings, home maintenance, and de-cluttering. Today let’s look at what we can do to save money in our bedrooms.
The mattress – Top quality mattresses usually cost more because they offer you extra pillow tops and nicer piping on the edges. These ... Views: 1412
Words are extremely powerful. We all know that Proverbs 18:21 states, “The tongue has the power of life and death, and those who love it will eat its fruit.” (NIV). Our mouth plays an important part in our potential to improve our financial situation.
You have the power to change the course ... Views: 1350
October is here and fall is definitely in the air in the Great Lakes Region. Our relatives have even had some snow in North Bay, Ontario. Now is a great time before the colder weather makes a permanent stay in the months to come to look at tackling (what can I say, it is football season after ... Views: 1493
We all need to shop for groceries, clothing and transportation. If we need to spend the time doing these activities, we may as well make the most of it and save as much money as possible at the same time. Here are a few tips on just how to accomplish that goal.
Avoid spending money on brand ... Views: 1395
You don’t have to be Einstein to learn about money and how to improve your bottom line. There are things we can all do without getting an accounting degree and working on Wall Street.
The following tips are a continuation of the ones from my previous article entitled Putting Money In Your ... Views: 1401
We all have clutter and stuff. Some of us are just more organized at how we store it. I think you would be surprised at how many people have spotless counters but drawers and boxes jammed full of stuff.
Although I focus on helping you turn your clutter into cash, clutter also has other ... Views: 1405
The website Energy Star estimates that the average home spends approximately $2,200 on energy bills each year. Residential electricity use by consumer electronic products accounts for around 15 % of your household electrical usage. Even when you’re VCR or DVD player, computer or printers and ... Views: 1315
According to a recent study by Professor Eva Munster at the University of Mainz in Germany there definitely is a correlation between how overweight we are and our bank net worth, (our assets less our debts). Professor Munster studied over 9000 individuals and found that their financial health ... Views: 1744
A recent study showed that nearly 60 per cent of North Americans live paycheck to paycheck and should that money be delayed for any reason, these individuals would have serious challenges paying their bills on time.
The first step in changing this behavior is to understand how much money is ... Views: 1521
As we all feel the pinch of these economic times here are a few tips for making the most of the dollars we spend everyday.
Clip Coupons on and off-line. – Most of us have access to the internet but for those of us who still prefer the hardcopy newspaper this is a tip which will work for all ... Views: 1770
Being financially literate is like planning a trip to drop off a book to a new acquaintance in the next city. If we do not know where our house is on the map in relation to where the acquaintance’s house is on the map, how will we be able to navigate to our new friend’s house to drop off the ... Views: 1690
So the Christmas season is upon us and we are in the mood for giving but with these economic times how can we give to others without creating a financial burden for ourselves? It is so easy to get caught up in the season and go impulse buying. The following tips are sure to help curve your ... Views: 1306