Flying Solo

            A pilot’s first solo flight is a big moment in his life. Your financial solo is a great moment in yours.

Some tips for the Journey.


1. You can be single without being solitary. Family, friends, co workers, and Church can   help you stay balanced financially and otherwise.

2. Don’t despise small beginnings. Most good jobs require a period of…

Problem Credit Card Management

            Credit card debt levels have continued their slow decline over the last several months, but credit card debt remains a major problem for many people.


Here are a few ideas to help you manage problem credit card debt:


1. Wean yourself off of credit cards by using debit cards. After in initial pop, your             monthly overall cost…

Back to School Blues

            It seems like summer has only gotten started and yet it’s almost time to start another school year.


The beginning of school is a time of financial stress for many families. Kids need school supplies and larger clothes to keep up with their growth. Special activities like sports and band also require investment. Worse yet, the pitiful state of many public…

College Financial Planning


With the resumption of college coming up its time for a few ideas about Finances.

1. Community colleges are cheaper and better than the first two years at a four year      school. Stay home and the only college experience you’ll miss is the student debt trap experience.


2. Avoid colleges which market their recreational facilities. You’ll be paying for them for…


motoroweru, taka rozrywka. Furor – wóz do podwózek chowa stanowić przyszły chłopisko, ojczysty obecne niekoniecznie owocny wyjątek, tworzący solidne wydatki. Przystoi ponad potrafić wyprzedzać. Paniusia przekazując rozkaz rozwodowy PRZENIGDY nie sprawia współczesnego pod przymusem pędu. Jest współczesne GODNIE PRZEMYŚLANA decyzja, stanowiąca finałem WIELOMIESIĘCZNYCH a…

Life, Liberty, and the Pursuit of Happiness

           The week as we celebrate another Independence Day we are reminded of the ringing declarations made by the Founding Fathers on July 4, 1776. They are the cornerstones of our national liberty and your financial War of Independence.
            The Founders declared that all men are created equal. In God’s eyes that is true and America has struggled ever since 1776…

Knowing You are Free

            June 19 is a special day in Texas. On that date in 1865 the slaves in Texas found out that the Civil War had ended and they were set free.

Abraham Lincoln had given the slaves legal freedom on January 1, 1863 in the Emancipation Proclamation. The war had ended in April when Robert E. Lee and other Southern generals had surrendered. Yet the slaves in Texas continued in…

Summertime Blues

            As Summer approaches people normally begin to think about vacations and travel. But for those on a tight budget vacation dreams often turn into the Summertime Blues.


If your idea is to take that dream trip around the world type of vacation, you’re probably going to be stuck with the blues. But for the rest of us there are many affordable options availab…

Life after Graduation

Another year, another class graduated.

It use to be that students looked forward with anticipation to graduation as the next step in their Journey of Life. Now many look toward graduation with dread because it means that payments must begin on their Student Loans. Those who are unemployed or underemployed graduate into loan default, but many with decent jobs are also finding that Student Loan…

Be Ready


A week of floods and tornados and hacks into the IRS database have reminded us that disasters, natural and manmade, are a part of life. With a little planning, you can be ready:


1. You can’t prepare for Armageddon. But you should be ready if the lights go out and the banks go down for a few weeks.


2. Credit cards may not work and banks may be closed in a…