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Home > Author Archives: Gary Foreman

Author Archives: Gary Foreman

Gary Foreman

Understanding APR

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Dear Dollar Stretcher, Most of us have at least one mortgage these days, but there is so much confusion over the interest. It seems that by the time you’ve paid off your mortgage, the interest costs more than your home. I would love to know how the interest is calculated and how it can end up being way more than ... Read More »

Hubby’s Spending is a Problem. What Can I Do?

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Dear Dollar Stretcher, My husband’s spending is starting to drive a wedge between us. I want to put money away for a vacation and our son’s college fund. But there’s never any money left at the end of the month. My husband does outside sales so he’s in a car all day. By the end of the day he’s spent ... Read More »

How Can I Afford a Used Car On a Beater Budget?

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Dear Dollar Stretcher, I’d like to get a good used car without going in the poor house! We have 3 school-aged children. Our old Ford pickup doesn’t have room for them. I wanted to spend $5,000 or less and don’t want car payments. Do you have any ides where to look besides the newspaper? Kevin S. Buying a good used ... Read More »

Buying Scratch and Dent Appliances to Save Money

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I’m looking to replace some appliances in my kitchen. Mine are old and on their last legs. The trouble is that I really can’t afford new appliances and I don’t want to put them on my credit card. I’ve heard that you can get great deals on ‘scratch and dent’ appliances. But, I don’t know where to look for them ... Read More »

Women and Financial Insecurity

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A recent article in the online version of the Wall Street Journal caught my attention. It was called “Clients From Venus.” Source It began by pointing out that women are becoming increasingly involved in personal finance. “Women control $8 trillion in assets in the U.S., and by 2020 are expected to control $22 trillion, according to TD Ameritrade Institutional, a ... Read More »

Be YOUR Own Boss

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Whether you’re a student out of school for summer, an unhappy employee, or someone who has been downsized, it is possible to get work even if companies aren’t hiring. Instead of relying on a corporate paycheck, entrepreneurs are becoming more innovative about making a living or adding to their regular incomes. Being your own boss means that you can overcome ... Read More »

Do You Have a Will? If Not, It’s Time For You to Write Your Will.

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It’s a subject that none of us want to think about. Whether we’re young and just starting life or older and approaching the end, we don’t want to think about our own death. And, adding money to the mix only makes it worse. But, the truth is that all adults need to think about what will happen to their financial ... Read More »

What to Do When You Don’t Have Enough Money for Food

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Dear Dollar Stretcher, I only have a little money to spend on food this month, about $80 for a family of 4. What kind of meal suggestions can you give? Red Feeding a family of four on $80 is a challenge. But, for many families, it’s a reality. And, although it is hard, it is not impossible. Begin by checking ... Read More »

What To Do Before Gas Hits $5 a Gallon

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Whether you’re driving a hybrid compact or a SUV, most drivers are feeling the pain of higher gas prices. We won’t get into the causes or the politics of gasoline prices. That’s for economists, politicians and pundits. But when Time magazine and the NY Times suggest $5 gas is possible we will recognize that it could happen. So is there ... Read More »

Matching Financial Tactics to Your Goals. Don’t Think Like a Race Car Driver.

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The other Saturday I went to the drag strip with some friends of mine. It’s an annual event for us. We’re a bunch of car enthusiasts who get to spend a day with some truly amazing equipment. For those of you who are not familiar with drag races, here’s a brief explanation. Each race is a two-car competition to see ... Read More »

State Farm Cancelled Our Homeowners Insurance

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Q: We live in the country in a home over a century year old that we have been slowly remodeling. It has been in my husband’s family for four generations. We purchased it knowing that there was a great deal of repairs that needed to be done. We felt because we had remodeled homes in the past that we would ... Read More »

How to Save on College Textbooks

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Anyone going through college or helping to pay for someone in college knows that the costs keep skyrocketing. It’s getting harder and harder for most people to get through college without taking on massive student loan debt. So anytime we find something that could help us reduce those costs we want to learn more about it. Recently, I had a ... Read More »

Will Baby Boomers Have Enough to Retire?

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It’s no secret that the housing bubble and recession of the last four years has caused financial heartache for many of us. One group that has been especially hard hit is the baby boomer generation. For years boomers have believed that they would retire in their mid-sixties and enjoy their golden years playing golf and traveling. They planned to fund ... Read More »

A Little Difference With Compound Interest

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Sometimes the difference between success and failure is very small. Occasionally you’ll see a race (NASCAR, horse or foot) that will be decided by just an inch or two. Such a tiny amount determines winners and losers. What’s also striking is how much difference that can make in the future. Our stock car winner will take home a bigger prize ... Read More »

Saving Money When Your Baby is On The Way

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Dear Dollar Stretcher, I’m expecting a baby! It’s my first so everything is new for me. I’m feeling overwhelmed with the whole thing. I can’t ask my mom for advice (long story) so I’m really on my own. There seems to be a million things that I need to buy. I want the best for my baby but if I ... Read More »

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