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Dave's Notes #2

Friday, 03 September 2010 10:09

In my younger days, my wife and I were very disciplined in putting a monthly budget together.  Once a week, we would sit down and ensure that we had all the charges for that week recorded accurately.  We treated credit card purchases as a cash purchase against a line item budget allowance.  We highlighted these purchases which made it very easy to compare the charge against our monthly statement.  This additional step ensured that were were recording purchases accurately while serving as an additional check to ensure there wasn't something amiss.  We occasionally missed recording a charge, so we would apply it to the following month's projection.  If necessary, we forced ourselves to cut something out of the budget for the month in order to accommodate this additional item.  On several other occasions, we were either overcharged or in one case, made no such purchase.  This process kept us accountable and served as an early warning system for identity theft.

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Dave's Notes #1

Saturday, 14 August 2010 08:53

You would have to be living on another planet not to realize how difficult this last two years have been financially for such a large segment of the country.  This recession has touched so many lives.  I have never seen anything like it in my lifetime.  However, I am a half full kind of person, and I do see a silver lining in this situation.  Many of us have been forced to learn or revisit our spending and saving habits.  Our company, Smartway Advisors, recently made a change in our Touch program to try to help us better fulfill our mission with the 700+ (and growing) people that have given us their trust.  We now offer every client a choice of two audio books after the first three months of doing business with us.  Check out our homepage and click on our Newsletter for more details.  We truly look to constantly find ways to improve our ability to help good people succeed.  I’d love to hear your tips and ideas, and with your permission, I will pass them along to our readers.  Now more than ever, it is time to “pay it forward.”

 

Dave

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