Unfortunately most people aren’t made out of money and their spending must be carefully regulated.  The first step in taking control of one’s finances is to plan a budget.  The second step is sticking to it.  People come up with budget plans all the time.  They often look good on paper and the person has the best intention of following it, but more often than not the budget soon gives way to over spending.  There are three major reasons why...

Insurance is a major part of many American’s budgets and can quickly cause strain on those with financial problems.  Finding the best rate is an important part of a solid budget plan, but this is often easier said than done.  Dealing with insurance companies is like going to the dentist; we have to do it, but we dread it.  Here are a few tips to ease the pain. All states have an insurance regulatory department.  It’s always a good idea to...