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Too Much Savings?
Is it possible to have TOO MUCH in savings? Would it surprise you if I answered YES??? If you've accumulated an emergency fund of more...
Pamela Ferguson
Apr 20, 20221 min read


Cash Envelopes
If you are someone that has a hard time sticking to your budget or constantly find yourself short before your next pay period, YOU may be...
Pamela Ferguson
Apr 20, 20221 min read
Start Small, Think Big
For financial success, you need to start small and think big. If you're trying to reach a big goal, do you get overwhelmed with the...
Pamela Ferguson
Apr 20, 20221 min read
When Should You Save for Retirement?
When should you begin saving for retirement? What is the magic age? It would be easy to say...start saving for your retirement as early...
Pamela Ferguson
Apr 20, 20222 min read


Save Your Coins
Something that you can be doing everyday is saving your coins-literally. This applies to you and your children or family. Putting aside...
Pamela Ferguson
Apr 20, 20221 min read


Wait 24 Hours
Before you make the decision to make a big purchase, use the 24-Hour Rule. Avoid purchasing expensive or unnecessary items on impulse...
Pamela Ferguson
Apr 20, 20221 min read


Renter's Insurance
If you're renting, you may feel that you can't afford to add more additional cost to your monthly bill. That's especially true if you're...
Pamela Ferguson
Mar 7, 20221 min read


Should You Dip into that 401K?
Before you dip into your retirement funds, make sure you consider the consequences of that choice. It can hurt you many times over and is...
Pamela Ferguson
Feb 25, 20221 min read


Can You Afford that Home?
Just because you can "afford" a house, doesn't mean you should buy it. I remember the very first time I was looking for homes, the lender...
Pamela Ferguson
Feb 25, 20221 min read


Beware of Impulse Buying
Have you ever told yourself that you “deserve to” buy something nice that you want? Do you rationalize that you’ve worked so hard and...
Pamela Ferguson
Feb 25, 20221 min read
How to Know if it's a Good Deal?
How can you decide on whether you "should" purchase something or not?? The easiest answer is to evaluate your purchases by looking at the...
Pamela Ferguson
Feb 25, 20221 min read


Track Your Net Worth
Make sure that you're tracking your net worth. Net worth is defined as the difference between your assets and debt. Basically, it's the...
Pamela Ferguson
Feb 25, 20221 min read


I Never Got That Raise
You've heard (and maybe you've used) the excuse of..."if I made more money, then I'd save more." I'm about to call you out on that. ...
Pamela Ferguson
Feb 25, 20222 min read


Credit Limits
To keep your financial health at optimal levels, you should strive to keep your credit use below 30% of your total available credit. It...
Pamela Ferguson
Feb 25, 20221 min read


Do You Have an Emergency Fund for Your Teen?
Emergency Funds aren't just for adults. It's never too early to teach your kids about finance and have them use it in a practical way....
Pamela Ferguson
Jul 17, 20211 min read


Should I Pay Off My Mortgage?
You have some extra money, so now what? What do you do with the extra money? Should you pay off your mortgage? Let's look at pros and...
Pamela Ferguson
Jun 22, 20211 min read
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