How to Keep Focused on the Future Without Going Crazy Today

Sometimes being “smart” with money can make you want to cry (at least it does this to me!)  It is hard day after day to control your spending and look to the future, especially when it seems like everyone else is doing just fine. So how do you keep focusing on the future without going [...]

What is a Roth IRA

So what exactly is a Roth IRA?  (Other than one more confusing term for investing). History (short and sweet): Back in 1997 congress put together a bill called the Taxpayer Relief Act of 197.  One of the great things to come out of this was a new IRA, called the Roth.  (Named for the Senator [...]

Smart Money Steps Contest 2012

giveaway books

Update 1/9 – congratulations to our winner: Dorenda Every year at this time we get ready to set New Year’s resolutions. Unfortunately many of us fail to achieve them. Don’t let that happen to you this year. Make this the year you take control of your money goals. Enter the Smart Money Steps Contest 2012 [...]

Keeping Track of Non-Cash Charitable Contributions

charity

Donating goods is a great way to pass on items to those who can use them, and at the same time earn yourself a tax deduction.  However, you need to actually keep track of what you drop off so that you can get a tax deduction.  In an audit, if you do not have proper [...]

How to Make Life Changes Easier

change

Every morning my son wakes up, gets dressed, and comes down stairs.  If I am not in my white chair reading with a cup of coffee he gets upset and has me grab my coffee and sit down. Why? Well mainly because he wants to cuddle every morning (which I am not going to say [...]

What is a Ticker Symbol

Sometimes the most confusing part of starting to invest is knowing all the terms.  Today we get a quick run down on what a ticker symbol is. A ticker symbol is a combination of letters used as an abbreviation for a particular stock.  This is so that it is not necessary to write out the [...]

The Skinny on an IRA

The term IRA gets tossed around when talking about investments, but have you every wondered what exactly an IRA is? The letters in IRA stand for Individual Retirement Account. An IRA is not actually an investment, such as a stock or a bond is an investment.  Instead an IRA is an account where you hold [...]

My Credit Card Experiment

September 18, 2007 – the last time I made a single charge on a credit card, until yesterday. Back in 2007 my husband and I decided to try life without a credit card.  We paid our balance in full all the time, had an emergency fund and had no need for the card.  Over the [...]

Shhh..Money Secrets

You can learn about money: Head to the library and check out a book Read a blog Attend a live class, a teleclass Talk to others who invest Watch money news shows The options are really endless, go ahead do one thing today that will help you.  No one is stopping you from learning about [...]

When Should I Invest In the Stock Market

Would you take the time and effort to make chocolate chip cookies, only to take them out of the oven five minutes before they were done?  No, because that would be a waste of time, resources and the end result would be an inedible cookie that you have to throw away. The same goes for [...]