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A Fresh New Year With Help

This is the time when we start thinking about choices for the new year. Perhaps taking care of your household finances is one of them. I have a number of ideas of who and how a daily money manager can help with that task. Why I Got Into This Business I’ve been asked multiple times why I gave up my corporate career and decided to go into daily money management. There is not one answer, […]

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The Freshness of the New Year

As we close 2021 and look forward to 2022, this is a transition that is different than previous years. A few years ago, what we thought about was what we were going to do in the new year. Lose some weight. Adopt a new strategy. Work on some projects like cleaning things up/out, or exercising more, or starting that new whatever. 2020 and 2021 Were Different The past two years, we’ve looked at the new […]

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Christmas In 1956 (And Why I Know About It)

Several people have asked me where I got my training for being a daily money manager. They ask if I was in the financial field before this, or if I have a degree in accounting. I have had a lot of training in daily money management, but it came from the experience of observing and participating in the daily money management my parents practiced. It wasn’t until I got into the profession of daily money […]

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Organizing Your Financial Paperwork

As we approach the end of the year, the idea of cleaning things up and clearing things out may be on our minds. This might be a good time to put some organization to the paperwork around the home. People tend to be in two camps when it comes to paperwork – Pack Rats who keep way too much (I’m in that category) or the Purger who throws everything out and doesn’t keep things that […]

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The Slippery Slope of a Caregiver’s Time

In 2018, Barron’s had a cover article on the costs of caregiving. What was interesting to me was that it wasn’t primarily covering the costs for the person needing care, but the financial and emotional costs associated with the caregiver. The Gentle Slope The Health Crisis Sharper Slope of Caregiving The next phase of caregiving may come suddenly with an injury or illness from which the individual doesn’t ever make it back to the previous […]

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How Not to Kill Your Wallet This Holiday Season

There have been some interesting surveys recently taking a look at spending this holiday season. In a survey done by, almost two-thirds (57%) who already have credit card debt from last year are planning to spend and increase that debt even more. Unfortunately, if these folks had been working down their debt from last year, this is going to put them a step backwards by adding to the debt. In the survey, they plan […]

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Big button for Yes and small button for No

Dark Pattern Websites – Messing With Your Mind

Marketing has changed with the shift to online web sites for sales. But the psychology of marketing used by businesses is still to try to get you to purchase more or more than you want to. In a store, it might be by putting interesting things on display at the end of an aisle, or right next to the checkout counter. Websites who use what are known as “dark patterns” are using legal, but perhaps […]

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It’s a Matter of Trust

“Elders are being asked to trust providers, who are all strangers in the beginning, while concurrently being urged to be more discerning about the strangers they trust. An interesting and perplexing dichotomy.” As the beginning of this article in the CSA Journal describes, older adults are having to deal with a problem with trust. In many situations, we are used to a variation of “trust but verify” where contractors, or other businesses need to be […]

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Aging-in-Place Challenges

For older adults, life can be divided into two phases. The first is the early post-retirement phase. This is often what we think of as the “Golden Years” as adults are still active and pursuing retirement interests such as hobbies, travel, and spending time with family. Older adults in this category are able to continue to maintain their homes and lawns, although they may choose to outsource some of these tasks to others. Social Determinants […]

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Difference between paying yourself first and paying as you go

Pay Yourself First When It Comes To Student Debt – Not Your Children

When it comes to paying for your children’s university education, most parents want to help their children start off right by helping them with their student debt. This might be by co-signing a private loan, or taking out a Parent Plus loan. One study showed that parents took on between $20,000 and $40,000 of student debt. Many of them dipped into retirement funds (and incurred early withdrawal penalties) to help pay this back. The result […]

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