Over the years, I’ve had several elective surgery procedures. I had to pay for all or part of them, and I regret none of them. I’ve had a breast reduction, eye surgery to end my need for glasses, and several procedures on my face to remove scars and moles. The breast reduction, done ten years ago, was not covered by insurance, and it cost around
A recent pay raise has my friend Sandy and her husband Dave at odds with each other. She wants to split the extra money between savings and paying off debt. Dave feels that they’ll end up spending the money anyway, knowing they have it available. Their debt consists of a mortgage and monthly credit card usage; the credit cards get paid every month in full.
Building a grocery stockpile is one of those topics that divides money-conscious shoppers. Some shoppers feel that a grocery stockpile is a use of time and money that could be better spent or saved elsewhere. Others feel that having one is a hedge against rising prices or last-minute emergencies. I’m on the side of the “others” because I stockpile, but I do it well. Eight steps to
I recently began receiving a pension fund check from my very first job. It’s not a lot of money, but it has created a big disagreement with my husband. I see it as a raise. With the extra check, I’m making more money, but since I still work, I see no need to spend it. My husband thinks because it’s not much money, I should just
Summer camp for adults is fast becoming the vacation of choice for those who no longer have to plan summer camp for their own kids! There are adult summer camps for outdoorsy types, foodies, music lovers, and more passions – all without sacrificing the creature comforts you’re used to. The adult summer camp trend is growing rapidly, and there are now about 800 camps in the
Whatever your term for dating, money is going to be part of it. And for better or for worse, money needs to be addressed before the relationship gets serious. Before you think about happily ever after, how do you determine someone’s money personality – and if it’s compatible with yours? With money and dating, what red flags do you look for?
A friend attended his cousin’s wedding last year. At almost $100,000, it was quite costly. Hardly a wedding on a budget. The couple isn’t famous; just regular people with middle-class parents. The bride wanted the best of everything. Costs spiraled out of control, to the point where potential guests were being asked to contribute money, or were told that they would probably not be getting
Dan and Penny are a real couple I know. They are in their thirties with two young children, a mortgage, student loans, and car payments. One is a spender, and one is saver. The problem is neither can compromise. Dan thinks his money is his to spend once the bills are paid and he contributes a bit to his 401(k). Penny wants to be financially
“Moooooooooom…can I have that?” “I WAAAAANT IT! PLEEEEEEEASE??!!” “All my friends have one; why can’t you buy me one?” Sounds familiar and annoying, doesn’t it? Your kids want something, and you want to say no. It’s not so much an issue regarding your money. It’s about teaching your kids about money: how to earn, save and spend it. You want to teach your kids about
I’ve just completed my eighth bake sale for charity. It’s an annual event that benefits a local animal shelter. This year’s sale made $500! And no matter how much money the bake sale brings in, it’s always worth it, because aside from the time spent planning and baking, very little is spent on ingredients. Many of us have cherished causes deserving of cash. If you
It’s been a long, cold winter with record snowfall, which has stretch many family finances beyond comfort. The good news is that spring means fresh cheap produce. Cooking and eating healthy cheap meals is going to get easier (at least for several months). Here are 16 easy steps to scoring cheap, fresh produce.
A friend of mine, newly single and the mother of three young children, spends nearly $1,000 a month on groceries and prepared food to feed her family. Part of the problem: she hates to cook, she gets home right before dinner needs to be ready, and she skips leftovers. She asked me how she could reduce her grocery bill by several hundred dollars a month.
The eight-day celebration of Passover begins on Monday, April 14. Eight days of remembering the deliverance of the Israelites from the bonds of Egyptian slavery, and the passing over of the ten plagues that afflicted Pharaoh’s subjects. Eight days of eating kosher for Passover food, avoiding products leavened with yeast. Eight days of additional Passover groceries. The items you need for the Seder might include
A few years ago, I was “stupid” broke. I say “stupid” because the reason for my lack of funds had nothing to do with serious things, like medical bills or job loss. I was broke because of very bad decisions when it came to saving money. I was contemplating a job change, and considering committing a serious money sin: cashing out a 401(k) just to
I am middle aged and have never used an ATM. Never wanted to, never felt the need to hit the magic machine that, for a few coded numbers, will hand me my hard-earned money any time I want it. I’m not bashing bank technology; there are times when those extra dollars at two in the morning was necessary, and a credit or debit card was