Archives by Tag 'budgeting'

Charitable Planning

By Linda Leitz - Last updated: Tuesday, July 25, 2017

Many people consider charitable donations as an important part of their regular budgets. These gifts to non-profits are sometimes very spontaneous, with a photo of a sad animal, neglected person, or inspiring social cause resulting in donations of various sizes. But some people approach their charitable giving every year with very specific intention and planning. […]

Financial Tips for Second Marriages

By Linda Leitz - Last updated: Tuesday, April 11, 2017

If you’re considering getting remarried, there are some financial issues to address. Whether your previous spouse predeceased you or you divorced, you’re probably bringing some assets and/or debts that predate your current relationship. You owe it to yourself and your new spouse to discuss your money situation together and agree on how to handle finances. […]

Unexpected Cash Flow Crunch

By Linda Leitz - Last updated: Tuesday, December 20, 2016

Just about everyone gets surprised by a month that has more expenses than income. As with any unpleasant surprise, how we handle it can determine whether it turns into a long term problem or just a short term bad situation that we learn from. Here are some ways that might help with cash flow and, […]

Beware Excuses

By Linda Leitz - Last updated: Monday, May 2, 2016

No matter how much we plan our finances, things can happen that we don’t expect. In fact, that’s one of the reasons to plan. It’s ok to give yourself some leeway in unusual circumstances, but if it becomes normal to have something “unusual” in your life that gives you an excuse to ignore your plan, […]

Money Smart Eating Out

By Linda Leitz - Last updated: Friday, January 8, 2016

When people make a list of where they need to reduce their spending, usually one of the top five items is eating out. Being in control of your finances doesn’t mean living off brown bag lunches and leftovers.   Sometimes budgeting is as much scheduling as it is watching costs. Eating out is often a […]

Your year end financial report card

By Linda Leitz - Last updated: Tuesday, December 22, 2015

As the year draws to a close, it’s a good time to take a look at your financial situation. That will prepare you to set your financial priorities for the coming year.   First, what’s your debt level? Did it increase during the year? If so, why? Having productive debt, like a mortgage or manageable […]

Being on Track

By Linda Leitz - Last updated: Wednesday, September 9, 2015

We all want to manage our finances in a way that will ensure that we’ll have enough money for a comfortable life. But there’s conflicting advice on what’s right to do. Most of us get regular unsolicited offers for credit cards, lines of credit, and mortgages through the mail. At the other end of that […]

Divorce finances – yours, mine, and ours

By Linda Leitz - Last updated: Thursday, August 27, 2015

During a divorce you and your soon-to-be ex need to make decisions that will impact the rest of your life. One of the biggest issues is money, which has two major parts – property and cash flow.   Property is what the family law professionals call assets and debts. That includes your home, other real […]

Buying the Right House

By Linda Leitz - Last updated: Friday, April 3, 2015

A home may be the largest asset you own. Even if you buy more than one house in your life, unless you’re a real estate professional, you’re probably not going to be an expert at home buying. Your home is many things – a major financial asset, potentially the reason you get a huge loan, […]

Financial Tips for the Not Wealthy

By Linda Leitz - Last updated: Thursday, August 14, 2014

Many people say they don’t have enough money to do financial planning. Planning isn’t just for folks with lots of money. In fact, if you feel like you don’t have much money, managing it well is really important. Planning isn’t just complex financial strategies to maximize wealth. It’s also handling your finances with intention and […]