Stay Cool Cheaply

I certainly enjoyed those two days of Spring this year. But now Summer is almost here, and it is bringing the heat with it.  If you are like me, you wish there was a way to stay cool without breaking the bank. Well, here are some tips I found to helpRead More →

Sping Clean Finances

We’ve kicked old man winter to the curb, and Spring is finally here. And that means it’s time to spring clean. If you think we mean spring clean your home, well, you will probably be doing that too, but we want you to spring clean is your finances. So, let’sRead More →

debt to income ratio

One of the effective tools lenders have at their disposal is the debt to income ratio (DTI). They can use this in combination with a credit report and income to get a good indication of your ability to pay back a loan. Beyond that, the DTI can be a handyRead More →

tax credits

Spring is in the air, which, fortunately, or unfortunately, means it’s tax time again. As you prepare to settle up with the federal government for the year, you want to check and see if you can use any tax credits. A tax credit can directly reduce your tax bill, so it’s aRead More →

motivation equals effort... work for it

I have a statement about motivation that I like to keep on the wall in my office. It reads, Motivation and Self-Esteem are the natural results of earned achievement and personal effort That simple one-line statement encompasses a lot of meaning. Two of the biggest factors that personal success dependsRead More →