Monthly archive: February 2011

Each year, Kohl’s recognizes and rewards young volunteers (ages 6-18) across the country for their amazing contributions to their communities. This year we are recognizing more than 2,100 kids with more than $415,000 in scholarships and prizes.  To be eligible, the student must meet the following criteria as of March 15, 2011. This year, more [...]

A couple weeks ago I wrote a post about <a href=http://intheblack.areavoices.com/2011/02/08/america-saves-week>America Saves Week</a>.  It is February 20-27.  With the way the economy is, it is more than important now than ever to teach people the importance of saving.  In our instant gratification society, it is hard but if you make a committment to it you [...]

We hear we should use cash more than credit and debit cards, but you still need to keep track of what you spend it on. Even using cash, it is easy to overspend. When you pay by check or credit/debit cards you have some record of where you spent the money. But with cash once [...]

Debt Free for Life is David Bach’s latest book.  Like his other books it is easy to read and understand about how to manage your finances.  The book includes ways to get out of debt and change your habits to stay that way.  One of the first steps is to organize your debt.  It may [...]

Are you looking for answers to your debt related questions? Check out www.Askdoctordebt.com. Ask Doctor Debt is sponsored by the ACA International Education Foundation (ACAEF). ACAEF is the philanthropic area of ACA International, the association of Credit and Collection Professionals. On the website there are answers to over 350 questions that have been asked. If [...]

In previous posts I have mentioned the importance of teaching children about finances. Along with that is teaching Employee Financial Literacy. Many of us were not taught how to manage finances when we were in school. In many cases also, people are trained how to practice their profession but then get out of school and [...]

If you are getting the winter blahs, it is easy to freshen things up a little by just making a few changes. A lot of the stores have their bedding and other home items on sale now. You don’t have to spend a lot to make a big difference. Last week, I stopped at Family [...]

With the personal savings rate is near zero, most Americans are not saving adequately for retirement, and most lower-income households do not have adequate emergency savings for unexpected expenditures like a car repair.  But with more societal encouragement and support, more Americans will be persuaded to build wealth, not debt. During <a href=://www.Americasavesweek.org>America Save Week</a>, [...]

Lately, I have been hearing of stories about credit card companies reducing credit limits for some customers. They have been doing it to people with balances and also to others who usually pay off the balance each month. So keep an eye on your credit limit and the amount you charge on your cards. In [...]

“Mind Your Mortgage” by Robert Bernabe is a great resource for both people searching for their first mortgage and people who already have a mortgage.  Like he says in the book, most things we purchase the prices are cut and dry.  But with mortgages, the companies can present the fees in a way that you [...]