C@$H

I’m not a financial planner of any kind. The closest I ever came was working customer service for a bank (total nightmare). But the reality is, how many of us are even remotely focused on checking into our relationship with money?

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Last Minute Shopping?

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The year is winding down fast, and for a lot of us that means last minute shopping!  It’s incredibly stressful wandering around the store thinking about which item to get a friend or loved one – or all the wonderful people in your life that are doing all the behind the scenes work.  I’m talking about those special people involved with your child(or children’s life) or if you don’t have kids, all those special extra people in your life.  Favorite bus driver?  Instructor?  Neighbor? Church member?  The gift you choose doesn’t have to be expensive either.  Let’s face it, most budgets are barely covering Christmas presents this year.  What are some great alternatives to charging up yet another credit card so we won’t offend someone?

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Holiday Shopping Prep

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I was at the dentist not too long ago chatting with the hygienist like I normally do.  [It’s always good to be friendly with everyone you meet, plus your interaction with them will show you what kind of business they are as a whole.  If a receptionist / front desk person is rude it is very unlikely that I will patron that business again.  That always tells me that the owner either doesn’t really care about their customers because they hired someone so rude on their front lines, or the owner doesn’t make sound business decisions and you can expect poor work when you interact with him or her when the time comes.]  The topic of the upcoming holidays came up, which is expected since we are weeks away from Halloween, and then the anticipation of Thanksgiving and Christmas follows shortly after.  She made a comment about how expensive it gets this time of year.  I mentioned about how I put money aside to I won’t go further into debt starting in August and September.  She was amazed that I was so diligent about not over spending or relying on credit cards, how it is something she could never do.  I told her that it was a lot easier than she realized and even putting away a little each week adds up a lot faster than she realized.

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Money Mondays – Are They Really Scams?

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We have all experienced a home party of some company our friend’s sister’s cousin had over her house. The food probably wasn’t good either.   Whether that party was about cookware, shakes, wraps, makeup, sex toys, make up, creams – whatever – They mostly fall under a multi level marketing system.  Some direct sales business that promised an opportunity to work from home and spend more time with their family.  We often wonder if these opportunities really do generate enough cash for us to quit our stressful full time jobs?  Or are they just another scam?  I have sat through so many parties wondering the same questions.  Can you really be successful in a multi level marketing company?

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