Dave Ramsey has this great term for when we spend money on things that are just dumb. He calls it the “Stupid Tax.” Everyone does it at some point, and I am no exception. Some of my more memorable stupid taxes include: Not watching a credit card balance closely enough and getting a payment in…
I’m not sure when Reverend Billy came into my life…but I love the work he and his congregation does. Granted, I’ve never been hip. I’m not really into consumerism, don’t own a lot of fancy stuff, clothes or vehicles. (My trusty steed, “Murphy” has been with me since 1999) And I LOVE the change in…
Like many people in America (and especially small business owners) I have credit card debt. I am fairly good with money, keeping spreadsheet upon spreadsheet of expenses, deductions, income, as well as a very comprehensive debt-payoff schedule. But, of course, expenses come up, and when credit was there, I used it. I fell into fairly…
And now its time for everybody’s favourite subject: TAXES! I can hear the roar of excitement now. First of all, I have to state that I am not a legal taxman by any stretch of the imagination, and you really need to consult with someone, because all I can give you is my experience. When…
Now that the world is collapsing, credit doesn’t exist anymore, and we’re all going into financial ruin, many people are trying to figure out how to cut back. I am no exception. Although, I refuse to believe that the world is coming to an end. The following is a list of things I know I…
Way back before there was MasterCard or Visa, people paid for things by bartering. As a new business, it’s a wonderful way to trade services and products for other, well, services and products. You’ll save your cash flow for bills instead of other necessities. I am all about trade. I love trade. Don’t get me…
Note: I do not now, nor have I ever worked as a tax attorney. Make sure you consult one so that you are aptly informed of the current laws and don’t get carted off to jail for tax fraud! Government loves people who are self employed! Something like 85% of all businesses in the are…
…you must be either way too wealthy to care about money management, or just too stupid. But, for the rest of us ‘middle of the road-ers’, check to see if you’re on the right track: You can’t possibly know where to cut back if you don’t know what you’re spending. Log EVERY SINGLE PURCHASE you…
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