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Tag Archives: savings

Odds Are You Are Going to Retire Hungry and Poor

If your 75 year old self could talk to you today about making retirement saving a priority, what advice do you think you'd hear?

Americans can be in as much current day denial as they want to about their future and what retirement will look like but recent studies show a significant number of people are not at all confident they will be able to retire with adequate income and savings. According to the Employee Benefit Research institute, 49 percent of workers surveyed said ... Read More »

We Don’t Have Much Left Over Each Month. Should We Save It? – Cathy

casual woman saving money

“Dear Steve, We are $23,000 in debt not including our house. We are able to make all payments but nothing is left over to save. $11,000 of this debt is an old school loan that we pay $114/mo on. $5000 is an auto loan. The rest is old credit debt. We have paid down about $10,000 in the last two ... Read More »

Marriage and Money: How to Talk to Your New Spouse About Finances

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So you’re engaged. Or thinking about it. If you’re really serious about spending the rest of your life with another person, it’s time to get some of the tougher issues out in the open. Somewhere near the top of your list should be MONEY. Conflicts about money issues can stop a relationship before it has a chance to be successful. ... Read More »

We Have a Lot of Debt, But Not a Lot of Savings. – Ann

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“Dear Steve, Currently we have a lot of debt. We are making this the year to pay a lot of this down. We don’t have much of a savings. Our current debt is this: a first mortgage = 170K, second mortgage that = 35K, first credit card = 17K, second credit card = 5K, and a truck that equals 25K. ... Read More »

I’m A Middle School Teacher And Not Saving Money. – Chris

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“Dear Steve, Hi, I am a middle school teacher. I have 80K in student loans and 10K in credit card loans. I am trying my darndest to pay down the credit cards as fast as I can. I think (HOPE!) they will be paid off by the end of the next school year–May 2010. Then I can start attacking the ... Read More »

Nine Essential Steps to Successfully Manage Your Money

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Only the rich need to worry about having people manage their money, right? Wrong! With a handful of credit cards, checking, savings and retirement accounts and lots of different bills to pay we all need money managers. The difference is if we aren’t wealthy, the money management responsibility usually falls on our own shoulders, rather than someone else’s. While most ... Read More »

Should I Use All of My Savings to Pay Off My Credit Card? – Hal

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Hal “Dear Steve, I have an outstanding credit card balance of $ 8,288.76 at 18.99% APR. We are paying roughly $500 a month, which is about 300 over the minimum. However, the finance charges costs about $138, seems to me to be a losing battle. I have 13K in a savings account that is making just over 1.3% interest. Just ... Read More »

I Have Gone Through All My Savings and Gambled to Try to Stay Current on My Bills. – Janet

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“Dear Steve, I am 75,000 in debt. All are credit cards. Last year I lost a job of 20 years but was able to get a job at about 20,000 less income. I was able to convince myself that I had my debt under control because I was able to pay it. I have been fooling myself and now have ... Read More »

Slowdown nails contractors: Dozens of Idaho small business owners

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Slowdown nails contractors: Dozens of Idaho small business owners ... Idaho Business Review, United States - 2 hours ago Most of the rest of their liabilities consist of medical bills, a car loan and credit card debt . ยท Boise home builder and contractor Russ Iverson filed for ... Read More »

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