Every family should have three budgets monthly, yearly and long-range. The long-range is to plan major purchases and commitments: buying homes, automobiles, major appliances, financing education and marriages of children, for example...

Some home owners choose to gradually reduce the term of their mortgage and thus reap great savings. Even relatively small additional payments yield great benefits. Home mortgage repayment ...

There are a lot of false rumors out there about what makes a good credit score.  Many of them are even perpetuated by people in the financial industry.  So, before you try to fix your credit, read a few of the following myths...

Invest in tools that will allow you to provide for yourself.  Example: sewing machine, freezer, tools for building things and repairing the car.  Check to see if buying these items used wouldn't serve your purposes just as well.

Taking the family out to eat can break the budget if you are not careful.  We have a family of nine and taking this crew out inexpensively is sometimes difficult.  Here are a few tricks I have learned over the years.

Saving money is a task everyone wants to improve on. The summer season is a little harder to save money with the kids out of school, air conditioning, and extra appliances running. A few simple changes during the summer...

There are three kinds of income each family is blessed with whether they are aware of them or not.  There is wealth both tangible and intangible in nature that are free for everyone to enjoy in life.  Many times two of these can even greater in worth than the cash income.

Everyone has a talent of some kind.  Sharing your talents to bless the lives of others is service.  Making money with our talents is a blessing not only for our family’s income, but for the people who purchase your wares, ideas, or in other ways benefit from your talents.