Image over the shoulder of a man starting to write on an empty pad of paper on his lap courtesy Peter Olexa on Unsplash

What I Wish I Knew About Money As A Young Adult

Have you ever considered what you would say if you could write a letter to your younger self? Something that you would tell that self that would make your life better later on. Join me as I write to my younger self about money and finances. If you are younger now, consider what you might gain from the lessons I learned on my life journey. Dear younger Tom, Now that you are out of college […]

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Photo of a rack of Amazon gift cards for sale courtesy Mike Mozer under CC2 license

Scam Corner: Did You Give Money On Gift Cards To A Scammer? It Might Not Be Gone For Good.

The Problem Is Big Scammers continue to prey upon people and once a person is convinced that money needs to change hands, it is often one or more gift cards that the scammer requires for payment. So far in the first four months of 2024, over 10,000 reports of loss with gift cards have been reported to the FTC with over $54 million lost so far. As a reminder, no legitimate company or government organization […]

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Emotional Tools Unique To A Family Member Caregiver

This is the second in a series on caregiving, provided by my friend Barbara Shaffer. Part One of the series can be found here. Although being a caregiver can have its rewards, it can also be a draining job because of its myriad of responsibilities and stressors. For a family member who is the caregiver, the impact can be even greater because everything is more personal. It’s not just a job. Depression and anxiety are […]

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What Would You Pack If Given One Hour?

Time Can Be Short – Are You Ready In Case Of A Disaster? During and after a natural disaster we hear a lot about preparedness kits and being prepared if a natural disaster occurs in your area. Are you prepared? Do you have a disaster plan for your family? Do you have a disaster plan for your aging parents? Specifically aging parents who live distant from you? Ways To Prepare In a fight-or-flight situation our […]

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Scam Corner: Close Up Hacker Opportunities With A Digital Clean-Up

The new year is often a time when people decide to bring organization to the chaos and disorder in life. While this often means tidying up physical objects, don’t forget to tidy up the electronic computers as well. Since smartphones are really hand-held computers, that means tidying up them as well. Hackers know about a lot of software and the bugs and holes that allow them to either take over a computer or access its […]

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Photo of sunset on beach with silhouette of a man in hat in a geriatric wheelchair being pushed by a woman figure courtesy of Pixabay

How To Survive Caregiving

The late First Lady Rosalynn Carter had a famous quote: “There are only four kinds of people in the world — those that have been caregivers, those that are caregivers, those who will be caregivers, and those who will need caregivers.” Given that this affects so many of us, I asked a psychologist friend of mine, Barbara Shaffer, to provide some of her expertise on staying healthy as a caregiver for a family member. This […]

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Image of a piggy bank with an umbrella and raining dollar bills courtesy pixabay

Want To Save More? A DMM Can Help With That!

As a daily money manager (DMM), I like to say that I help people achieve financial goals that a person is having trouble meeting themselves. Money is emotional and sometimes it is hard to see the bigger picture forest through the day-to-day trees. Our society is also reticent to discuss money. When we don’t manage it well, we don’t want to reach out to others for help. I can recall my mother telling me about […]

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Image of person using phone and laptop courtesy Firmbee from Pixabay

Scam Corner: Watch Out For Smishing This Holiday Season

If you’ve recently received a text message from the post office saying there was a problem with package delivery and to click a link to fix it, you’ve been a target of Smishing. For years, I’ve received these type messages in my spam email. They are called Phishing in email. The name Smishing comes from the fact that they are Phishing over SMS (text) or “SMishing”. What Is Smishing? Generally, these are text messages from […]

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Image of a man sitting on a bench staring ahead while the sun goes down in the distance courtesy Pixabay

Laid Off? How To Manage Money Between Jobs

As the government raises interest rates to avoid runaway inflation, this will result in a slowing of the economy. Along with this, businesses may find a need to lay off employees. Employee payroll is often the largest expense a business has, so this is where cuts are taken. If you find yourself to be one of those let go, here are a few tips to manage money during this period of time. Use Savings and […]

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Moving To Another State For Grandkids May Be More Costly Than You Think

For someone just retired, a thought might be to move closer to children or grandchildren now that the job no longer is a factor. This can be a compelling idea, particularly as one thinks about spending more time with others. Another thought would be that living close to relatives provides a source of care when that is needed. Before pulling the trigger and making that move, it is wise to review living costs both where […]

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