All posts by jpcgnh

3 Steps To Keep Your Groceries From Killing Your Budget

My wife and I facilitate a personal finance course called Financial Peace University from Ramsey Solutions. Seems the hardest part of the class for most is getting their heads around organizing a budget. And, without a solid budget, there is little hope for getting your financial house in order. Continue reading 3 Steps To Keep Your Groceries From Killing Your Budget

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Why does a 10 year old need a smart phone?

I just don’t get it… everywhere I turn, 5 year olds, 8 year olds, 10…14…why? Why does a CHILD need a smartphone? The only answer to this question is… they don’t! There just isn’t a single, solid, based-in-logic reason why a child under the age of “you can pay for it yourself” that NEEDS a smartphone. Period!

Continue reading Why does a 10 year old need a smart phone?

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Why live debt free….

We live our lives full of stuff, most of it not “needed” but somewhere we heard we deserved it. If we had it, we’d impress our friends; if we didn’t have it, we’d be depriving ourselves or worse our kids – oh no, then we’d be bad parents. Our friends would say – “What? Little Samantha doesn’t have an iPhone 6?” You think to yourself, well she is 10, and I do need to be able to track where she is (there’s an APP for that)… Continue reading Why live debt free….

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