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Bill Wagenheim
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1- Lack of self-discipline: the need for instant gratification With all our best intentions to save, we find reasons to satisfy our urgent desire to have what we want now! It’s all too human. It seems this need for instant gratification is in our DNA. After the purchase is done,... Continue reading
Posted Jul 9, 2012 at Smart Money Management
I found an article in Inc. Magazine that mirrors the views that I write about in my workbook and blogs: Mindset. How to take control of your behavior and make mindset changes that can change any aspect of your life. Below each Inc. statement are my own views and comments... Continue reading
Posted Jul 1, 2012 at Smart Money Management
You now have access to our Excel worksheet. Just follow the work-sheet directions. Play with it for a while-enter your own expenses and debt payments, until you become comfortable with it. After you become proficient with the Excel Worksheet, you will be amazed how easy it is to take control... Continue reading
Posted Jun 30, 2012 at Smart Money Management
For my blog readers, followers and visitors, on June 30, 2012, this blog will open the gateway to our Fast Track Excel Expense and Debt Worksheet, upon which you can actively enter all your data including expenses and debts, and learn how to take control of your finances. Even if... Continue reading
Posted Apr 27, 2012 at Smart Money Management
The chances are: You can’t imagine taking control of your spending and reducing debt without budgets, right? Could there be a simple formula, like an X-ray, to diagnose your finances and give you a cure for your costly spending habits and debts? What will it take to enlighten the doubtful... Continue reading
Posted Apr 20, 2012 at Smart Money Management
While I was vacationing in Florida, I was rear-ended while driving 20 miles per hour in heavy traffic in the slow lane of a three lane roadway. The impact was so violent, the side curtain exploded, slashing a gash in my arm and nose. Dazed, I climbed out of my... Continue reading
Posted Apr 2, 2012 at Smart Money Management
In my work, teaching and counseling debt management, I am fascinated at the behavior of my students and clients. I watch them spend their financial futures away, by out-of-control spending on cars, furniture, clothes, vacations, and mortgages they can’t afford, but, then, find ways to pinch nickels and dimes. How... Continue reading
Posted Mar 19, 2012 at Smart Money Management
I’ve often wondered how entrepreneurs find their calling. Does it come out of some latent burning ambition? Is it a matter of risk taking, measuring risk vs. reward? Could it be an organized and prepared plan waiting for the right opportunity? Or is it motivated by a desperate act of... Continue reading
Posted Mar 12, 2012 at Smart Money Management
Where ever it is that my *BW and I frequent, a restaurant, a local grocer, a fast food eatery or a drug store, we often see the same waitress, clerk or store owner on our visits and we engage in friendly chatter. When you show interest, even casual interest the... Continue reading
Posted Mar 5, 2012 at Smart Money Management
I usually do not like to promote my workbook in my blogs however, this blog contains information that became a “wake-up call” for some of my students to whom I teach debt management, in an adult evening course, in a community college. So, I wanted to share this with you.... Continue reading
Posted Feb 26, 2012 at Smart Money Management
Hard times and debt loaded credit cards have diminished the need (for some folks) for department stores and boutique shops in favor of and exchange for thrift and consignment shops. It’s all around you, but you might not have noticed because you’re not a “thriftier.” You could pass a nice... Continue reading
Posted Feb 18, 2012 at Smart Money Management
You heard the expression, “We are creatures of habit,” also, (I read somewhere), “Habit is nature’s way of preserving our sanity.” I am not suggesting that the absence of structure in our lives can cause chaos, but the problem, as I see it, is making changes in our habits. If... Continue reading
Posted Feb 9, 2012 at Smart Money Management
Did you ever find an invoice you paid two months ago arrive in your mailbox asking for payment? Of course; you ignored it. The next month the same invoice demanding payment for a bill you paid three months before. What did you do? You got upset and called the company... Continue reading
Posted Feb 2, 2012 at Smart Money Management
If you use a prepaid or debt card and pay all your bills on time, there is no recorded history to factor in a FICO credit score, which is calculated with data related to borrowing. That may change given the success of Suze Orman, personal finance media personality and author.... Continue reading
Posted Jan 26, 2012 at Smart Money Management
I don’t want to get clinical about this subject of stress, but as in all human activity I try to find simple solutions to life’s complexities. And, this is what I discovered reading The Myth of Stress by Andrew Bernstein. I quote the entire paragraph to get to the point,... Continue reading
Posted Jan 19, 2012 at Smart Money Management
There is a concept in the Japanese culture that living with objects of no use is unnecessary and excessive. Other ritual staples of Japanese life all stem from a passion for reduction. For meditation the Japanese naturally gravitate to small spaces – small inner courts within already small houses. What... Continue reading
Posted Jan 12, 2012 at Smart Money Management
It’s not an easy question to answer without a lot of thought. It could be something like the following response from an individual, with whom I had the opportunity to work, during a debt management coaching class offered to its employees by a large grocery chain. There’s too much stress,... Continue reading
Posted Jan 5, 2012 at Smart Money Management
May every day be a gift for you and all your loved ones for this new year Continue reading
Posted Jan 1, 2012 at Smart Money Management
There are authors and columnists who write about personal finance. Their content is informative, but the message doesn’t connect with us emotionally as it does intellectually. More often, the emotional connection can drive the behavior of the debtor, from being a spender to becoming a saver. Oddly, I found such... Continue reading
Posted Dec 23, 2011 at Smart Money Management
Would Suze Orman find her comparison to Oprah a negative complement? I hope not. Orman is a one-woman, most influential celebrity powerhouse of personal financial advice, as is Oprah, but in a different medium. If you run into any financial difficulties, you can find answers to your problems in Suze... Continue reading
Posted Dec 15, 2011 at Smart Money Management was partnered with Google Books. By matching the content in my book with user searches, Google Books connects my book with the users who are most interested in buying my book. So why did I disconnect from Google Books Partners? When a visitor arrives on my web site and... Continue reading
Posted Nov 25, 2011 at Smart Money Management
My concern with that statement brings to mind, immediately, the value we place on our financial resources needed for retirement. Our journey of planning for retirement can get derailed when situations occur such as the loss of a job, family health problems and or personal problems. If our aim for... Continue reading
Posted Nov 18, 2011 at Smart Money Management
Many folks are hard pressed to save for emergencies, (six to eight months) to cover expenses and debt payments. So, it is no surprise that saving for retirement is postponed; “I’ll save later, I’ve got lots of time.” Sure, you’re dealing with the present realities. Life’s tough. Have you given... Continue reading
Posted Nov 12, 2011 at Smart Money Management
Did you ever find yourself listening intently to some ones verbal instructions, and in a few minutes your eyes glaze over as your comprehension of the subject matter is lost, and all you hear is the sound and fury of a voice. Words. Words. You tried your best to capture... Continue reading
Posted Oct 31, 2011 at Smart Money Management
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Oct 28, 2011