To be truthful, tracking your spending is not fun or exciting. I have heard a wide range of excuses of why people don’t track their spending. Regardless of the excuse or reason, if you live paycheck to paycheck, are always in debt or have little or no savings then you need to begin tracking your spending. It is essential to making your spending plan work and achieving your long-term financial...

The one thing we love in our house is bread. We use store bought bread for sandwiches, but all our dinner bread, whether rolls or loaves of bread, we make using our food storage. That means that we use our wheat and grind it into flour. There are two side notes before I get into this fabulous recipe. The first is that you need a good grinder for wheat. We do have a hand grinder, but we only use...

I remember growing up my grandmother having a trust and that it protected her assets (possessions). I had no idea what that meant or how it worked. The more I learned the more I knew that I had to make sure that my family was protected. We completed our first estate plan in 2010 and it was a great learning experience. We used an attorney that specialized in estate planning and I would like to...

I was reviewing some financial calculators I was going to implement into the website and decided to do a little experiment. I went through 5 different scenarios of saving for retirement. I did this for ages 20, 25, 30, 35 and 40. Each person was to get the same returns on their investment, have the same inflation rate, have the same retirement age and live for the same amount of time after they...