By Heaven Stubblefield At one time, banks were all about getting people to put money into a CD.  While these things use to be used exclusively by the music industry, banks caught on started spreading the word on an incentive to make money with them.  Unfortunately, CD’s are not worth it and here’s why.  There [...]

By Heaven Stubblefield It seems these days everyone and everything is go, go, go.  Kitchens have become another room that holds your things without ever being used.  The restaurant business has skyrocketed simply because people are spending less time in their kitchens and more time in the hands of other people to cook for them.  [...]

By Heaven Stubblefield Growing up, my parents tried their best to keep me away from the television.  One phrase they told me on the weekends and all summer long was “Go Outside.”  While it seems we all must be plugged into our phones, computers, and electricity, there are a lot of things that can be [...]

I was surprised when I walked in to McDonald’s the other day and saw a group of men sitting at tables with their computers going. I thought, maybe at Panera or Starbucks, but McDonalds has now jumped on the Wi-Fi bandwagon. Wi-Fi is the official term for a wireless internet connection. That means you and [...]

As millions of Americans are facing budget woes, budget analysis has become a new chore in households as more Americans begin to save. Analyzing your budget helps because you enable yourself to plan for unforeseen circumstances while taking control of your earnings. But when looking at your monthly bills, it is important to know the [...]

Welcome to family life. You have your spouse and at least one child. You are thinking about giving your child an allowance. Perhaps it is because you never received one, or you are taking an important step in teaching your child about money. There are various methods in determining whether or not to give an [...]

Discount gift cards are great ways of saving you some money for your shopping or your next dinner date. They are readily available from numerous sources and people, and with them and some budget tools, you can really maximize the effectiveness of your money. It doesn’t take much effort to use them, and you’d be [...]

By Virginia O’Connor Uncertainty about the current and future economy has pushed many Americans to start saving more and paying off more of their debt. Recent studies in 2008 and 2009 have indicated that as Americans are feeling less secure about their financial stability, they have begun to change their spending behavior. As confidence falls, [...]

Congratulations, you have decided to start a budget!  While it may seem easy to do, there are some ways you can define your spending that will help trim it and build wealth.  Below are common categories of a budget and how they can be better defined.  Utilities   The utilities category is one that some define [...]

Two of the most important things you must do  after college are:  Conduct a “State of the Union” for your finances, sign-up (sic) for an online money management system”  Develop sound saving habits from the start” … and we couldn’t agree more. •l  Set up an online money management system Treating your finances seriously is [...]

By Michelle Studer  Even with the best of intentions, credit cards can lead to bad trouble. Whether impulse control or financial desperation is the culprit, many people end up in a pickle over credit card debt. New laws to curb sneaky industry practices were passed late last year; unfortunately, they won’t go into effect until [...]