7 Reasons Why You Might Hate Your Job

Do you remember your first real, paying gig?  You know, that time when you first experienced working for money.  Not an allowance, or birthday money and definitely not the tooth fairy.  This was the sweat of your brow making you some dough!  Do you remember how excited you were to do what might well have been a menial task, something you would definitely not be doing now? As I write this I am in a café being served by a young lady who greets me with a beautiful smile, is gracious and poli...
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Growing Your Money Tree

If only you had a money tree growing in your backyard.  When you need an infusion of cash you’d just walk into the back yard and pick some off!  Funny right, wishful thinking?  Well consider the possibility of growing just such a tree, an income generating vehicle, if only figuratively, that will produce as much fruit as you need.  Here’s how you can grow your very own “money tree”. At the base of your money tree, the very foundation of your structure would be your roots.  Those roots would b...
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How Do You Relate?

You might be surprised to find out that some of the most confident people in business, social circles or relationships interact entirely differently when it comes to money.  Then again, you may not be surprised because you might be one of those who has a markedly different money personality when compared to how you relate in other areas of your life.  While it can be difficult to understand why that is and how it came about, there is great benefit in identifying your money personality. Mo...
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Creating Financial Change in Your Relationship

  Identifying a need for change begins with admitting to our imperfect situation.  In much the same way starting a fitness and nutrition regimen begins with acknowledging poor health habits, working with an unhealthy financial situation begins with acknowledging the opportunity to do better. Unfortunately, as it relates to money, you may not be the only one contributing to the problem.  That is easily exemplified in a family/household where multiple parties create the financial ch...
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Your Kids and Money

Crescendo Financial Kids and Money
You probably read the title and thought, yeah, my kids take all my money!  And true enough, children, at all stages of rearing them, certainly use up a large portion of your resources.  When they’re younger it’s care costs and volume – more stuff.  When they’re older it is the sticker shock for the items they “need” and apparently can’t live without. The time will come when your children will be spending their own money and equipping them for that inevitability begins with teaching them n...
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The Other Side of the Coin

Did you know that there are two sides to successful money management?  Well, chances are you know but you focus heavily on the spending side of the equation. Real cashflow planning happens in the excess that is realized when earnings exceed spending; when income is more than expenses.  So why is it that, on just about every blog, website, article or panel, contributors focus almost exclusively on reducing spending in order to realize that excess?  In order to manage money successfully, outsid...
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Selecting a Financial Advisor

You’ve done it.  You have decided that you need to engage the services of a financial advisor (if you haven’t yet please read this article to get your started: Do I Need A Financial Advisor).  Now what?  Where do you start?  Retaining a financial professional is a big decision and can be daunting. Treat your search like you would hiring a candidate for employment.  The individual you end up choosing will need to be vetted so be bold and ask questions.  Take your time in making this decisi...
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The Futility of the Windfall Mentality

What are you waiting for to live the life of your dreams? Perhaps you said money.  You would not be alone in that thought, in fact you would probably have lots of company.  For many, lack of money takes the blame for living lackluster lives that neither thrill nor fulfill. So let’s take this further.  What would it take for you to get the money that you said you needed?  If you are a gambler, perhaps you play the lottery with hopes of winning the mega millions and finally living your drea...
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Put An End to Guilty Spending

money as a tool, money bag
One of the many things clients struggle with in creating a cashflow plan, is deciding what would be good things on which to spend their money.  Creating cashflow plans is simple enough but determining the totem pole of spending priorities can sometimes prove quite difficult.  Case in point would be the person who experiences guilt when they buy a new handbag or tech gadget.  An easy way to avoid the guilt is to decide whether or not the expense is an investment. For the purpose...
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Why Enough May Not be Sufficient

You’ve heard it, you may have even said it yourself a time or two – “I just want enough”, “I just want to be able to live comfortably…”  Perhaps even, “I just want a healthy baby, with five fingers and five toes”.  In most cases the result is exactly that, just enough, which represents the limits of expectation and risk. Those who make those comments are also those who may utter the regret of not having tried for more.  For so many, by the time the realization hits that enough was not cutting i...
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