How to Handle Your Holiday Debt (CNN Money)

January 2, 2013 | Posted in Business and Professional, Debt, Finance, Life, Men, Women | By

Don’t let credit card debt accrued over the holiday season linger by using a few key tips to help pay down your balance.


Develop Your 2013 Love & Money Plan

January 1, 2013 | Posted in Christianity, Finance, Homebuyers, Life, Men, Romance and Relationships, Sex, Women | By

Love and Money

As we launch into 2013 there are undoubtedly a number of people compiling their list of goals to accomplish. For many in our society this list of goals will include the search for love and desire for a healthy relationship. Let’s be honest, most people desire to have someone ‘special’ to spend their lives with so they don’t grow old alone. For others, 2013 will include the desire to improve their financial lives. Who doesn’t want to increase their monthly income while reducing their overall debt? Your love and money goals ARE attainable if you put the proper plan in place to begin your 2013 journey. Consider the following as you develop your Love & Money Plan for 2013:


  1. Figure Out Who YOU Really Are – Until you figure out who you really are, you’ll waste your life away trying to please and live up to the expectations of others. It’s a lot easier being who you really are instead of playing the charade of who someone else wants you to be.
  2. Surround Yourself with Good People – It’s often said that birds of a feather flock together. Surround yourself with people who have experienced love & demonstrate healthy marriages. You’re more likely to remain in the same situation by hanging out with the same bitter, unhappy people you were connected to in 2012. Be willing to let some people go! Remember, good people are generally associated with other good people, which may lead to a potential love connection.
  3. Be Willing to Take Chances – There are some things you will not be able to truly determine until you make a decision and take a chance. You may miss out on the love of your life by overanalyzing whether or not he/she meets ALL of the items on your list. Fortunately, true love has the ability to trump many of the items on your list.


  1. Know Where You Stand – It’s hard to assess what steps you need to take when you don’t know where you currently stand. Start by documenting your current income, expenses, savings & investments. Knowing these items will give you a great starting point for developing your plan.
  2. Set Measurable Goals – Decide what you would like to accomplish. The most common financial goals are increasing personal savings, paying off debt or investing for retirement. Don’t hesitate to consult a professional if you need assistance in any of these areas.
  3. Don’t Give Up – Life is continuously filled with uncertainties. You can never predict when a car will break down, the furnace will go out or another unexpected expense will arise. However, no matter what happens in 2013…STICK TO THE PLAN AND DON’T GIVE UP!


Although I can’t guarantee that you’ll find the love of your life in 2013. I can guarantee you’ll increase the pool of qualified candidates by following the tips mentioned above. Also, take comfort in knowing you’ll be in a better financial position by following the tips listed above and staying the course.


10 Unspoken Marriage Rules You Must Follow by Dawn Papandrea

December 29, 2012 | Posted in Life, Men, Romance and Relationships, Women | By

Every married person knows to be faithful, stay truthful and be there for her partner through good times and bad–they’re in the wedding vows, after all. But most seasoned couples would admit that some unspoken rules are vital for getting past rough patches and growing stronger as a couple. Here, experts share 10 of the less apparent (but just as important) marriage rules to live by.

1. Don’t criticize your partner’s parents or friends. You know how it is-your family can tick you off but no one else had dare speak ill of them. That’s why you should tread carefully with your in-laws and your husband’s dearest friends. “Even when he’s venting to you, your contributions can put him on the defensive,” explains LeslieBeth Wish, EdD, a Florida-based psychologist and licensed clinical social worker. “When you take position A, you prompt your partner to take position B.” Instead, says Dr. Wish, put yourself in his position so that you can empathize with him.

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Read More... For More Love, Economical Gifts Make the Most Sense

December 20, 2012 | Posted in Finance, Life, Men, Romance and Relationships, Women | By


Christmas Day is quickly approaching and there are men and women all across America scurrying to find the “perfect” gift for that special person in their lives. Unfortunately, a number of those relationships will be defined by the gifts exchanged, and not by the value of the relationship overall.

The ugly truth is that I’ve heard too many stories of the richness of the holidays going sour because gifts didn’t meet the expectation of the recipient.

Now, you might respond by saying there’s no harm in making your desires known. Men can tend to think, “If I really want a suit, maybe I should drop a quick hint and it’ll be mine.” Women might say, “If I really want that necklace or purse and he gets it for me, does he really love me?

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Read More... In Love, What’s Debt Got to Do With It?

December 18, 2012 | Posted in Business and Professional, Finance, Life, Men, Romance and Relationships, Women | By


I recently had a conversation with a friend about a young lady he is currently dating. He asked me a question regarding debt, and whether it should be considered when evaluating a potential life partnership. On the surface this question may seem a little bit shallow, but allow me to share further details from the rest of our conversation.

The young lady — let’s call her Karen — has pursued multiple levels of higher education (BS, MS, doctoral degree) in order to further her professional career. However, pursuit of her additional degrees has led to student loans totaling around $180,000. Now at this point you may have your own feelings one way or another about this student loan amount, but my friend expressed the concern.

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Read More... Does a Joint Account Indicate Trust in a Relationship?

November 26, 2012 | Posted in Finance, Life, Men, Romance and Relationships, Women | By

In reflecting on the state of today’s relationships and marriages, I’m becoming more and more sensitive to the elements currently causing them to fail.

With the divorce rate currently hovering above 50 percent, we have to begin evaluating the various sources of discord and discontentment. One of the sources typically cited by those counseling couples going through divorce is the area of finance. As I personally consider my understanding of marriage and its symbolism of two people becoming united as one, I wonder if any insight on financial trust can be gained in how two people manage their bank accounts.

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