by Dedra Murchison | Oct 29, 2013 | Past, Present, Tips
Does anyone remember Black Tuesday? It was the day that marked the beginning of the Wall Street Crash of 1929. Eighty-four years ago today, we were on the brink of the Great Depression. We call it the Great Depression – not because it was good but because of the...
by Dedra Murchison | Oct 11, 2013 | Change, Choice, Future, Present, Tips
I can take criticisms but not compliments- James Taylor Someone compliments you for the outfit you are wearing or a job well done. Your typical response is: a) “Thank you for noticing.”b) “Oh it was nothing – anyone with a pulse could...
by Dedra Murchison | Oct 8, 2013 | Budget, Change, Choice, Financial Planning, Money Story, Present, Spending Diary, Spending Plan, Tips
Reason #1 to use a spending diary You have more month at the end of your money. Spending diaries are a tool to help you track your spending. Reason #2 to use a spending diary You have a high debt to income ratio. Studies show that when people pay with cash, they spend...
by Dedra Murchison | Oct 4, 2013 | Change, Choice, Money Story, Past, Present, Tips
Past performance is not indicative of future results… This standard disclaimer applies to many investment vehicles. It typically does not apply to human behavior. We are creatures of habit and tend to do the same thing – even when it becomes...
by Dedra Murchison | Oct 2, 2013 | Budget, Financial Planning, Money Story, Present, Spending Plan, Tips
It has been a long day at work. You are busy. You have things to do, places to go and people to see. You open the mail and read your 401(k) statement. You look at the charts and graphs and numbers and wonder what it all means. Are you saving enough? When can you...
by Dedra Murchison | Sep 11, 2012 | Choice, Past, Present
This message has haunted me these last few days. I believe that UNhappiness is expensive. If you are unhappy and use money to chase happiness, it leads to more unhappiness. So you spend more money and the cycle repeats until you are broke or wake up and realize that...
