Should teachers invest in 403B plans? Maybe…

If you are a teacher or have a teacher in your family you may know that in most cases these folks with nerves of steel have very few options to make their working time worth more; in other words, it’s not easy to get raises. The only raises teachers get are either based on years of service or additional credit hours of professional development.

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Used Items Depreciation

Thanksgiving is just hours away and you really have to hold on tight so you don’t end up giving in to all the holiday sales. Time to tame your emotions! If you have made it this far you may be able to resist the infamous “Black Friday.” Hey, I am not opposed to a good […]

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Stop paying for commercials on TV!!!

Advertising on TV is crazy expensive, which makes it a very exclusive marketing tool for businesses to reach their audience. When companies advertise on TV they do it as premeditated damage control. They incur in a huge expense with the purpose of selling more products or services they manufacture or provide. Regardless, all that money […]

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Are we cheap or just money efficient?

Nobody wants to be seen as the cheapskate. As parents, we fear being seen as the parent who is not willing to spend money on their kids. With that thought, we spend a fortune on brand new strollers for each child we have, new playpens, new clothes, shoes, bikes, backpacks, lunchboxes, etc, tec, etc. Before […]

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Do you really need a budget?

Making a budget can be a daunting task and a deal breaker for a romantic night with your spouse or significant other. But it doesn’t have to be that way if we change our mindset. Is it necessary? Absolutely! Does it really matter even when you make more than enough to cover your expenses? It […]

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