July 2012
10 posts
8 tags
Quarter is done. Time to prepare for the next...
Quarter is over for Generation change.. .. .. .. .. . I am honored to teach Generation change to my congregations teenagers.  I had 11 kids sign up.  At the end 9 finished.  They learned about marketing how they want your wallet learned about their personal value that they are more than their stuff. Budgeting balancing checkbooks preparing for the workforce. giving beware of student...
Jul 31st
5 tags
Random thoughts.
Went to my store goodwill and bought a new stack of books to read. Zig ziglar, Donald Trump, Joel Olsteen , The Shack and so on  and so on.  A few new to me shirts.  Spent under 15 dollars.  That aeropostale shirt I found would have been around 20.00 alone new in the store.  Have a wonderful day everyone.  You don’t sacrifice when you are frugal.  You just always want the deal. Richard
Jul 29th
6 notes
5 tags
“When I was a young man, I wanted to change the world. I found it was difficult...”
– Internet search Bing -  change quotes.
Jul 19th
5 notes
7 tags
Something to think about...... →
The same man who predicted the 2008 crash is sharing his thought on a possible worse situation as early as 2013. Richard
Jul 17th
7 tags
Ideas for you 20 somethings!!!!! Save your money. →
Living a debt free lifestyle is a hard life when you first start out.  But with determination and hard work, you can become wealthy with good money habits.  Be smart. Be frugal. Be a better you. Richard P.S. Watch other videos on here for more ideas on how to save.
Jul 17th
3 notes
Back to school! →
For those of you who are starting on your coupon journey here are some deals at your local chain stores.  Happy Shopping! Richard
Jul 17th
6 tags
Art.
The stroke of your brush……………. The amount of paint you apply to your canvas. The different types of brushes. Is it not even a brush at all? Pencil? Charcoal? a 5 year olds crayon? When it comes to money, how do you handle it? Is it just a unmanaged mess like when a young child first learns how to color? Do you take the time to add detail to your piece of art?  How many tools are you using...
Jul 6th
5 tags
Rapid Mortgage Calculator →
For those of you who think Like me, here is a nice tool for you to tryout if you are a homeowner or are becoming a homeowner.  This is a mortgage calculator that will compute the amount of time it will take to payoff your mortgage.  It also has nice additions like what if’s.  What if you cut out pizza in your life?  Coffee?  Soda? So, have fun. Try it out.  There is no such thing as a good...
Jul 4th
6 tags
Jul 4th
5 notes
10 tags
Materialistic Mayhem.
Hello guys, I am sorry I don’t have time to post regularly anymore,  Family life is pretty busy.  I just wanted to share an e-mail I sent to my class this morning for the parents.  Some of it might help all of you. Richard. Good Morning! Happy Fourth to all of you. We had a good class this weekend. We are now into the money discussion of what our kids will be exposed to.   I started with...
Jul 4th