If we don't want the companies to cheat on us, we shouldn't be cheating on them.

Set up rules for when you will "give" not lend money. Never lend. My people know that I'll help with college. I'll help if they lose they job thu no fault of their own.

I write for people who are good money managers and want to know how to be even better stewards over their money.

That's is life. You move and change according to things that happen to you and things that you make happen because of poor choices.

You don't need to waste money on a fancy program or app to do a basic budget. I've been using a simple Excel spreadsheet since 2005 to track my monthly budget.

I've found that when you can quickly knock out debt you get motivated because you see progress. Then you attack the other debt so fast that even if it's at a higher interest rate, you don't end up paying much more because you've gotten rid of it.

My grandmother was extremely smart when it came to money, but she also worried a lot about not having enough. So it's with her in mind that I aim to explain complicated financial things so the folks like her won't be afraid to make certain money moves.