In case you haven’t heard, there’s this new weather phenomenon affecting most of North America called the Polar Vortex. I had never heard of this term before, about three days ago, and if you are lucky enough not to have experienced this, count your lucky stars! A polar vortex means that all that damn cold…
Category: Personal Finance
The Envelope System to Save your Money
I’ve read about the envelope system in several books and websites but was always skeptical of doing it. I came up with a dozen different reasons why it wouldn’t work. I didn’t particularly enjoy having that much cash on me. I didn’t know how to get the money into the envelopes for a whole month…
Don’t think of Credit as Free Money
I am not a financial adviser, I can’t tell you what to do, but I can tell you what not to do. From the first day that I got my first credit card, I thought of it as free money. I knew that I had to pay it back, but with a $10 minimum payment,…