Hope for your financial life and beyond

How to Get the Most Out of Christmas

Weeks ago, at the beginning of November, stores already had Christmas decorations on display. I know those stores are just trying to get the most out of Christmas season. But it’s too early at that point for me to think about Christmas.

get the most out of christmasFor me, December 1st officially starts my holidays. That’s because I know that in the 31 days of December, my family will attempt to cram more into each 24-hour period than is usually desired. For me, the annual cramming revolves around two specific lists – my December To-Do List and my Present Wish List.

The To-Do List for December is very important. It’s filled with kid activities, social get-togethers, Christmas programs and of course shopping. Additionally, home chores are also part of the To-Do List. So, because I’m a teacher, I get a “vacation” during Christmas break which gives me a greatly needed window to do these activities and catch up on all that I’ve let slip by.

The other list – the Present Wish List – is all about what I would like to receive on Christmas day during our annual gift exchange. This one is a little tricky and here is why.

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Operation Christmas Child: Changing Lives One Shoebox at a Time

I believe the Bible when it says, "He who has a generous eye will be blessed, for he gives of his bread to the poor” (Proverbs 22:9). Spiritual and emotional blessings come when we give to others, especially those in challenging life situations. And … [Continue reading]

My A – Z List of Blog Related Things I’m Thankful For

Yes, I know. What a strange thing to write about during the week of Thanksgiving. There are so many more important things to be thankful for. Certainly family, friends, freedom and prosperity, health and faith all rank near the top of thankfulness … [Continue reading]

Stay the Course: Success Happens One Step at a Time

stay the course

Are you unable to stay the course? Many people have difficulty with this when it comes to completing a task. Somewhere along the way, for whatever reason, they give up, never to reach their goal. It happens for big things and small things. For … [Continue reading]

5 Ways to Reduce Your Medical Expenses in a Car Accident

Getting involved in a car accident is something no one wants to experience. Yet most will at some point. A 2020 report by Esurance found that 77% of all drivers have had at least one accident and that the average person files a car insurance claim … [Continue reading]

6 Signs You Are Living Above Your Means

above your means

Let's face it. We live in a fast paced, consumer friendly, debt-driven society. Spending money has never been easier. That might be why more than 60% of Americans deal with credit card debt on a daily basis. Access to credit has never been more … [Continue reading]

Top Tips for Freelancing Success

Have you ever thought about freelance work as a side hustle to earn extra income or as your main way of making a living? Many people do, for either of those reasons, including myself at one point in my life. There are a number of benefits to … [Continue reading]

The Ultimate Guide on How to Make the Best Monthly Budget

monthly budget

I’ve written a lot over the years on how to make a monthly budget. It’s really been important to me because creating and successfully living on a budget turned our life around. My wife and I would not be where we are financially had we not admitted … [Continue reading]

I Have a Lot of Debt: Can Hard Credit Checks Impact My Credit Score?

Debt has become the standard way for people to manage their financial life. Instead of cash, families and individuals are turning to credit more and more. It seems an easier form of payment, granting access to things when we need or want … [Continue reading]

How to Save Money Without Losing Track of What It’s For

One question I routinely get asked by friends and readers of this site is, "Can you teach me how to save money without losing track of what it's for? How do you account for your money when you are saving for an emergency or for a future need?” The … [Continue reading]

Beyond the Retirement Plan: 3 Things to Do Before You Stop Working

retirement plan

Have you started thinking about your retirement plan? For most, the retirement plan consists of saving enough money to cover their life expenses after they stop working. More than likely, the retirement plan revolves around socking money away in … [Continue reading]