There are plenty of people who don't have an emergency fund. In fact, nearly 30 percent of Americans don't, according to a report by NeighborWorks America.
Planning for Long-Term Care
Thursday, March 16, 2017
Why is it important to plan for long-term care?
Why our resolutions fail: building and breaking habits
Tuesday, February 07, 2017
Once again, it’s a new year. As we all begin to ponder on our new year’s resolutions and how to actually stick to it this year, I thought I would offer some advice before it’s too late. If your New Year’s resolution is like mine, to save money for whatever the purpose, this is any easy way to do so.
Budgeting Tip: Start Small, Don't Stop
Monday, January 09, 2017
Most dieters fail by denying themselves any pleasure. Deciding to “get healthy,” they decide to eat 100% healthy all the time always. While each individual meal is fine, consumed with water and no desert, it’s when you start thinking about the future, about a lifetime of healthy food, with no pizza, no burgers, no fries, stretching out between now and death that things tend to fall apart, that all of the sudden you are at the donut shop buying a dozen and eating them sitting in the parking lot. This often leads to a full week of nightly pizza orders before you get back on track.
We naturally seek pleasure, and giving it up one meal at a time is one thing, but imagining the rest of our lives without cake is another. This is the theory behind the 4 hour diet by Tim Farris, which has a “cheat day” built in every saturday where you literally eat whatever you want. It’s easier to eat healthy wednesday knowing you’ll have all the pie you want saturday. The cheat day also helps reset your metabolism, so that your body never adjusts to the slower caloric intake of the healthy meals, and acknowledges the social nature of food. You still get to have a big italian dinner with your family and break bread together, while moving towards a healthier goal.
