The Gift that Keeps on Giving

In our target budget, our family’s net income is allocated as follows: 70% housing expenses and other necessities 10% cash expenses (food, clothing and miscellaneous) 10% saving 10% charitable and non-charitable giving Unfortunately, this is the goal and we’re not quite there yet. In fact, our giving allocation is a far cry from 10% right …

Removing Taboos

I’m preparing to give a talk to a group of students about money matters this fall and was scouring the Web to find out if there are any major issues that students tend to have with money that I might have overlooked. In my web browsing, I stumbled upon an interesting website. It’s called NetWorthIQ. …

The Search for Significance

When we were dating, my husband and I would sit and talk for hours – literally. These days, it is impossible to find an hour for ourselves –let alone string together several of them at one time! Last night, however, we managed to find some time for each other. We talk about everything. What is …

Each One, Teach One

Each one, teach one. This is a slogan used often in educational settings. Its origin is often traced back to an African proverb. Some say that due to its African origin, it became a motto of slaves in the United States in the 1800s. The simple message that slaves used it to convey to one …

You CAN Have Too Much of a Good Thing

I love to sew. It’s cheap therapy. When my oldest son was a toddler I made all of his clothes except for socks and underwear. I have made the window coverings for the four homes that my husband and I have purchased. There is something about running my hands across fabric that I find soothing …

Our Recession Garden

During World War I and World War II, resources were scarce and citizens were asked to conserve however they could in order to make sure that the troops had what they needed. One thing that people did was to plant “Gardens for Victory”. These victory gardens were popular in cities as well as in the …