Category Archives: Books, Ideas, Insights

Financial Health Steps – #21: Document your spending — NMBankruptcyBlog.com

This is the twenty-first in the series started here following a 30-step program in financial literacy over at the FinancialLiteracyMonth.com website. Here’s from their Step #21: This worksheet will help you to identify expenses that can be reduced and prevent impulse spending.  The process may be time consuming, but it is vital to gaining control […]

Financial Health Steps – #20: Identify and plan for periodics — NMBankruptcyBlog.com

This is the 20th in the series started here following a 30-step program in financial literacy over at the FinancialLiteracyMonth.com website. Here’s from their Step #20: You may have a good idea of where the money is going on a day to day basis, but before you start working on a spending plan or budget, […]

Financial Health Steps – #19: Identify and document all your fixed monthly expenses — NMBankruptcyBlog.com

This is the 19th in the series started here following a 30-step program in financial literacy over at the FinancialLiteracyMonth.com website. Here’s from their Step #19: Fixed expenses are the most difficult to manipulate. Fixed expenses are those you have little choice over paying — mortgage or rent, utilities, gas for work.  But you have […]

Financial Health Steps – #18: Where does all the money go? — NMBankruptcyBlog.com

This is the 18th in the series started here following a 30-step program in financial literacy over at the FinancialLiteracyMonth.com website. Here’s from their Step #18: For most people, financial health doesn’t depend on how much they earn, but how much they spend. It’s always good to have a decent sense of where your money […]

Financial Health Steps – #17: Save for your goals — NMBankruptcyBlog.com

This is the 17th in the series started here following a 30-step program in financial literacy over at the FinancialLiteracyMonth.com website. Here’s from their Step #17: Most likely, reaching your financial goals will require you to commit to saving.  That is one reason saving is an essential part of any money management plan. There are […]

Financial Health Steps – #16: Make a commitment — NMBankruptcyBlog.com

This is the 16th in the series started here following a 30-step program in financial literacy over at the FinancialLiteracyMonth.com website. Here’s from their Step #16: One trick to keeping your financial goals is to remind yourself of your goals on a regular basis. The site includes a “fridge-friendly” goal certificate that you can customize […]

Financial Health Steps – #15: Securing your financial future — NMBankruptcyBlog.com

This is the 15th in the series started here following a 30-step program in financial literacy over at the FinancialLiteracyMonth.com website. Here’s from their Step #15: Don’t despair if you are behind on your retirement goals.  If it is any consolation, you aren’t alone; studies show many households are not adequately prepared for retirement. As […]

Financial Health Steps – #14: Expect the unexpected — NMBankruptcyBlog.com

This is the 14th in the series started here following a 30-step program in financial literacy over at the FinancialLiteracyMonth.com website. Here’s from their Step #14: Unfortunately, bad things sometimes happen to good people. And bad things happen to communities and countries. We’re in bad financial times.  Be careful not to let feelings of entitlement […]

Financial Health Steps – #13: Paying down debt is a smart financial move — NMBankruptcyBlog.com

This is the 13th in the series started here following a 30-step program in financial literacy over at the FinancialLiteracyMonth.com website. Here’s from their Step #13: There are two popular methods that people use to tackle debt. Paying down debt is good, but be wise about how you do it. There are strategies and there […]

Financial Health Steps – #12: Set short-, mid-, and long-term goals — NMBankruptcyBlog.com

This is the 12th in the series started here following a 30-step program in financial literacy over at the FinancialLiteracyMonth.com website. Here’s from their Step #12: Be sure every goal has a specific purpose, a dollar amount that it will cost, and a realistic target date. With this post, the site above provides a Financial […]