by Don Gayhardt | May 3, 2017 | Budget, Finance, Money Management, Saving, Spending
When people begin formulating a budget, it is helpful to have a realistic goal in mind, such as saving for a vacation. A fun goal like travel keeps people motivated to follow the budget and meet their other financial objectives. With proper planning and some...
by Don Gayhardt | Apr 19, 2017 | Budget, Finance, Investment, Money Management, Retirement, Saving
One the biggest challenges in personal finance remains budgeting. Creating and following a budget is critical for reclaiming a sense of power over your finances, yet people often have trouble making a realistic budget or staying within it. Luckily, modern technology...
by Don Gayhardt | Apr 12, 2017 | Debt, Finance, Investment, Money Management, Saving
While individuals should make every effort to get out of debt using strategies like budgeting and consolidation, sometimes this is simply not possible. The end-of-the-line option is bankruptcy, which is a legal declaration of the inability to pay off debt. People...
by Don Gayhardt | Apr 5, 2017 | Education, Finance, Investment, Money Management, Retirement, Saving
People in their 20s often put off investing for a variety of reasons. Some people want to wait until their financial situation becomes more stable, and others hope to make more money before they start investing. Whatever the reason, putting off investing is a mistake....
by Don Gayhardt | Mar 22, 2017 | Education, Investment, Money Management, Saving
Part of raising children involves teaching them to be financially responsible starting at an early age. Today, many parents believe that investing is a key element of financial responsibility and wonder how they can help their children learn the basics. Teaching...
by Don Gayhardt | Mar 15, 2017 | Finance, Investment, Money Management, Retirement, Saving
When saving for retirement, many people look into annuities, insurance products that provide a steady stream of income. However, annuities are complex products and not for everyone. At its most basic level, an annuity is a product that someone invests in to get back...
