Family shopping courtesy Pixabay

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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Image by Catkin from Pixabay

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 states, 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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Photo of seniors in front of home courtesy MART PRODUCTION from Pexels

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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Photo of IRS form by Nataliya Vaitkevich from Pexels

Is Your Charity Skimming the Money You Give Them?

If a charity is skimming money off the books, then it isn’t going to be a charity for very long. But that isn’t the type of skimming I’m referring to. As we approach the 4th quarter of the year, the number of end-of-year solicitations is going to increase in your mailbox or your email inbox. The question is what do you do with these? Who is deserving of your charitable dollars and how much? Let’s […]

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Photo of mobile phone full of apps courtesy Manik Roy on Unsplash

Is Your Wallet or Purse Leaking Your Hard-Earned Money With Autopay?

Each year when I go to renew the subscription for my antivirus software I am given the fine print on checkout that my account is on autopay and each year going forward they will automatically charge my credit card for the next year’s subscription. There is the option to turn that off, but they don’t make it easy to do so. As you’ve guessed by my saying I renew each year, I’ve gone ahead and […]

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Image of car windows shattering by Vladyslav Topyekha from Pixabay

What if You Were Hit by a Truck (or Hit a Truck?)

In my first job out of college, I made friends with another co-worker who had just started work a few months before I did.  Along with other new hires our age, we formed a tight social group.  Imagine my shock when I came into work one Monday and was told, “ ‘Pat’ was in a bad car accident and is in hospital and we’re not sure if she is going to live.” It turned out […]

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Hands holding a wad of money bills with a notebook and pen visible

How to Get A Pay Raise Without Asking Your Boss!

How would you like a pay raise without asking your boss for a raise?  Prior to the 1980s, if you worked for a company, your company likely paid into a defined pension plan for you. This worked well since this offered a fixed amount of income from the time you retired until you passed away.  It may also have provided a regular fixed amount for a widow or widower after the worker passed away.  Some […]

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Image of credit cards sticking out of denim back pocket by TheDigitalWay from Pixabay

Want To Improve Your Credit Rating?

Why do you keep hearing about credit ratings and how important those scores are?  In the same way that companies and even governments are rated on how likely they are to pay back money loaned to them, individuals are also rated by their risk to lenders.  In corporations, the rating goes from AAA (almost no risk) to BB+ and below (the so-called “junk bonds”).  For individuals, it is that magic credit score that goes from […]

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