Are You Frugal or Stingy?

Are you frugal or are you stingy?   Frugal - sparing or economical with regard to money or food. Stingy -unwilling to give or spend; ungenerous.   When you read these definitions, where you do you feel you fit?  Are you making prudent, economical decisions about your spending and generosity?  Or, are you holding on to …

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Financial Stage 4: Overflowing

Are you in Financial 4: Overflowing? You are in Financial Stage 4, Overflowing, once you have paid off all of your debts, you are on track to reach all of your investing goals, you are increasing your net worth regularly, and you are giving generously.  This is the stage where you really make a huge …

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Financial Stage 3: Thriving

Are you in Stage 3: Thriving? You are in Financial Stage 3, Thriving, once you have no consumer debt and have saved your Financial Independence Fund. In this stage, you are focusing on building your net worth and being generous. You are still following your financial plan, including a budget. The biggest change is going …

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Video: Restoring A Healthy Perspective on Money

Check out our video!  Money touches every aspect of life. If you get it wrong, the results can be devastating. Today the types of conversations I've been having with other people about their finances is revealing a great need. A need to restore in people a healthy perspective on money. Wherever you are in your …

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Generosity Series: Part 6 – When to Stop Giving

When you choose to be a generous person there will be times you hesitate.  There will be times you resist.  There may be times you regret.  That will not change the fact you are a generous person.  However, that will effect how you give. When you give to many people and to many organizations, you …

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Generosity Series: Part 4 – Mindset, Giving Expectations

When a generous person gives, there is an exchange and that exchange is not that you are giving to get something in equal monetary value later.  The true giver never expects the person or organization to which they give money to return that to them.  That's not to say a generous giver doesn't expect something …

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Generosity Series: Part 3 – When to Give Money

Generous people establish a plan for their giving.  When you choose to be a generous person it will cause you to see needs all around you, all the time.  You do need to keep control over your budget while being generous.  You should give money when it fits into your plan.  If giving tends to …

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Generosity Series: Part 2 – Budgeting for Holiday Gift Giving

Surprise, it's that time of year again!  Time to start thinking through giving gifts for the holidays.  Holiday gift giving can be a real budget killer.  Let's face it, it's really easy to overspend to show others you love them by giving them gifts.  In today's world of larger, more extended family units it can …

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Generosity Series: Part 1 – Mindset, Money is not Finite

Long term generosity is a mindset choice.  When you are a generous person you think differently.  When asked to describe what it means to be extremely generous we often think of someone that gives away everything they have.  It's the person that sells everything they have, empties their pockets of every dollar, and lives in …

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