I absolutely hate opening our electric bill each month. I know that electricity is a luxury that I shouldn’t complain about but GOSH, it ranges from $200-$400 each month. Sometimes there is no rhyme or reason for the fluctuation. It is one of those bills that I know I can’t get away from but I’m […]
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How big should my emergen...
Everyone should have an emergency fund. An emergency funds’ purpose is to cover your expenses in case you lose your current income. This is usually calculated by finding out what your monthly expenses are and multiplying this by how many months you may need it. This brings us to the ultimate question…how many months should […]
How a Health Savings Acco...
A Health Savings Account (often referred to as an HSA) is a tax advantaged medical savings account that works in conjunction with a high deductible health care insurance plan. Here’s how it works… Enroll in a high deductible health insurance plan (usually these deductibles are between $6,000- $10,000), yet the premium rates can be less […]
How will ObamaCare affect...
Unless you have been living under a rock (or working so hard to feed your family that you haven’t listened to the news) you have most likely heard that the Supreme Court of the United States voted 5 to 4 in favor of the constitutionality of The Patient Protection and Affordable Care Act (aka ObamaCare). […]
Why are Americans becomin...
(warning…this is a rant, not for the faint of heart or should I say “wallet”) Is our current economy favoring people who haven’t been wise with their money? Why is our national debt larger than it has ever been? Why does the average American have over $15,000 in credit card debt. Americans traditional save less […]