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Important Announcement

Know Your Money
Thursday – January 5, 2017

Important Announcement
By Donell Edwards

Thought for today:  Your best teacher is your last mistake. – Ralph Nader, American political activist, author, lecturer, and attorney. (1934)

 

The Announcement

We previously announced plans as shown above for our Know Your Money Money Management Success Strategies Institute to begin on Monday – January 9, 2017.  Today we are announcing that the start of the KYM  Money Management Success Strategies Institute has been delayed to coincide with the launch of our new live Internet radio talk show, CWR World News, which begins on Tuesday – March 7th on BlogTalk Internet Radio Network.  We will announce the new date for the start of the KYM Money Management Success Strategies Institute shortly after the launch of our talk radio program.

We are making this decision because utilizing the radio platform along with our KYM Blog and other resources will provide participants with a more diverse range of options and tools to develop or improve their money management skills.  Also, Financial Literacy Month is in April, and that is a time when we place great emphasis on personal money management through the KYM Blog.  Furthermore, we would like for this to be your program and delaying the start of the KYM Money Management Success Strategies Institute will allow time for you to contact us and let us know what your greatest concerns are about personal money management and the areas you would like most to learn about.  Just send an email to info@knowyourmoneyglobal.com, or use the comments section on our sign-up form from the sign-up tab on our KYM Blog.

 

Make This Your Resolution for 2017 and Beyond

We know that many people make resolutions at the start of each new year, and we want to encourage you, our followers, to make it your resolution to become more financially literate and astute in managing your money in 2017 and beyond.

Although we have delayed the start of the KYM Money Management Success Strategies Institute, we still strongly encourage you to begin now to work on your resolution to improve your money management skills by doing two things:  (1.)  Subscribe to our KYM Blog if you have not already done so, and begin or continue reading the great content provided.  Just go to the KYM Blog, look in the upper left side of the blog and you will see “Follow Know Your Money via email.”  Enter your email address in the box provided, and click the blue “Follow Know Your Money” submit bar.  That’s all there is to it.  (2.)  Sign-up now for the KYM Institute using the sign-up tab on our KYM Blog to access and complete our sign-up form.  Make the resolution, and follow through.

 

Banking Savings Funds Planning Finance Money Concept

 

Why Are We Doing This?

Before you dismiss this idea and decide that the KYM Institute is not for you, and that you don’t need to make any improvement managing your money, allow me to share something with you.  If you have been following our KYM Blog for some time now, you already know about my background. If you are a new follower, or in case you may have forgotten, I write this blog and develop programs and promote financial literacy because it is personal to me.

I understand that many factors may contribute to a person having money problems, and that does not necessarily mean that person does not know how to manage money.  In my personal experience, I knew how to budget, but I KNOWINGLY made bad choices that resulted in over spending, late payments, missed payments, bad credit, and all of the other problems that come from making bad money management decisions.  Not because I didn’t know better, but because I allowed my desires to overrule my good judgment.

Some of my problem was the result of not being able to earn enough money to live the lifestyle I desired.  I’m not talking about a lavish, exorbitant lifestyle, I’m talking about just having a safe and comfortable place to live, a dependable vehicle and the resources to maintain it in good condition, and to afford the basic necessities of life; food, clothing, and healthcare.  So, instead of accepting the fact that I had to live within my means until I could get into a career position with a salary that allowed me to do the things I wanted to do, I ignored the voice of reason in my mind and made bad spending decisions.  So, having money problems is not always the result of a lack of knowledge but can involve a person’s judgment, circumstances, and sometimes their emotions.

Although I was at one time a prime example of one who DELIBERATELY CHOSE to make bad money management decisions that I knew would result in negative consequences, I worked very hard for a number of years and overcame my bad decisions.  I restored my credit, I got a career position with a major corporation where I worked successfully for over eleven years until I was a victim of downsizing.  I went back to college and graduated summa cum laude and earned a bachelor’s degree in Business Administration and studied economics, money and banking, accounting, business mathematics, and managerial finance.  These courses all helped me to not only understand the principles of personal money management, but I also got a much better grasp of our economic system and Keynsian economics, which was very enlightening and helped me make more sense of the financial system.  I feel that all students should be taught economics in high school, but unless things have changed in the last several years, very few teach economics as a part of their curriculum.  If I had received a basic education in economics in high school, I truly believe that I would have determined to live within my means regardless of my emotions, desires, or circumstances.

That is why this institute is so personal for me.  I hope that by sharing my experience and knowledge, and with the assistance of some very special people in the finance industry, hopefully, I can help as many people as possible avoid the catastrophic money management mistakes and resulting consequences that I made.

 

Who Is the Know Your Money Money Management Success Strategies Institute For?

Yes, the KYM Institute is for those who have problems or need help money management.  But it is also for those like I was, who know better, but because of inadequate income, loss of job, long-term health issues, or who just lack the willpower to control their spending, make very poor money management decisions.

As I have stated already, managing money is not always about a lack of knowledge, it is often a lack of willpower.

 

We Want To Help!

Regardless if you are comfortable with your money management skills, or you feel that you may need some help or just want support to help you resist giving in to the tendency to make decisions about your money that make you feel good, rather than making decisions that are in your best interest, don’t miss out on this opportunity to work on your money management skills because you are too proud and think you can handle things on your own.

Sure, you probably have the knowledge and ability to manage your personal finances, but can you improve?  In all honesty, are there areas where you really need to make improvement?

Let us help you, so that you can excel at managing your money.  Sometimes all a person needs is a support mechanism, or a resource to measure or review decisions against before they are implemented.  Allow us to support you in these ways through our KYM Institute.

 

The Next Steps

If you are really serious about making constructive changes in your personal money management habits, here are the next steps you should take.  Sign up now for the KYM Institute using the sign-up form on our KYM Blog to ensure that you receive news and updates about the program and that when the program begins you receive all of the tools and resources that will be provided for participants.

To emphasize, we really want this to be your program.  Delaying the start of the KYM Institute will allow time for you to let us know what you would like to learn from the institute and what specific questions you have, or what areas you feel you need help with.  Do not delay, take some time right now and give this some serious thought, then send your questions, suggestions, or comments to us by email at info@knowyourmoneyglobal.com, or use the comment box on our sign-up form under the sign-up tab on our KYM Blog.

We strongly encourage you to participate in the institute, and we look forward to working with you if you do.  

 

We Would Like To Hear From You.  Are There Any Brave Souls Out There Willing To Share?  If you would like to share with our readers how “bad” spending habits have affected you, anonymously or otherwise, for our upcoming special, “Confessions Of Spendaholics,” please send your experience to comments@knowyourmoneyglobal.com.

 

 

Donell Edwards Publisher, Writer, Speaker

Donell Edwards
Publisher, Writer, Speaker

About Donell Edwards: Donell Edwards is President of CWR Media Group which includes CWR World News Talk Radio Show and CWR World News & Information Service, a daily online newspaper.  He is also a professional speaker, freelance writer, and entrepreneur.  

To book Mr. Edwards to speak at your next event, contact:

Donell Edwards Enterprises
13111 W. Markham St.
Suite 116
Little Rock, AR 72211
DLEdwards@DonellEdwardsEnterprises.com

 

Follow us on Twitter and Facebook for more information about personal money management.

twitter-ilike-us-on-facebook

Disclaimer:  I have a Bachelor of Business Administration degree but I am not a financial planner. However, I have acquired years of knowledge about personal money management through my life experience working through my own personal finances that allows me to share that knowledge with readers of Know Your Money. The Know Your Money Blog posts written by me are my own common sense observations and opinions and are for informational use only. Although my blog includes contributions from experienced financial professionals, please make your own financial decisions based on personal research or contact a financial adviser.

Copyright © 2017 CWR Media – All Rights Reserved

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Confessions Of A Spendaholic

Donell Edwards, Blogger

Donell Edwards Publisher, Writer, Speaker

Donell Edwards
Publisher, Writer, Speaker

About Donell Edwards: Donell Edwards is President of CWR Media and is also founder and publisher of The College World Reporter (CWR) magazine and CWR World News & Information Service.  He is also a professional speaker, freelance writer, and entrepreneur.

 

 

 

 

 

 

 

Know Your Money
Monday – November 14, 2016
(First published March 14, 2014)

Know Your Money Special Feature:
Confessions Of A Spendaholic
By Donell Edwards

 

The MacMillan Dictionary defines spendaholic as “Somebody who is addicted to spending money.”  At one time to some extent that definition described me.  From a young age I felt deprived, although I was provided with a comfortable lifestyle and just about everything I wanted.  However, as a child, I compared what my family had with others who had more and I felt inferior.  I never discussed these feelings with anyone, and this thinking affected many of the decisions that I made in my life when I reached adulthood.

To me, being able to buy things and having lots of credit cards were symbols of success.  So many times I made purchases that I could not afford.  Needless to say, that got me into financial difficulty.  Most of the time I managed to survive without any serious problems, but eventually bad spending practices caught up with me.

While spending freely, I never considered the damage that was being done to my credit, and the resulting affect not having good credit had on employment opportunities, qualifying for a home loan or auto loan, and many other important aspects of life.

I was an angry young man because I believed that I had been denied many employment opportunities that I qualified for which had limited my income and my ability to enjoy the kind of lifestyle that I wanted.  I had developed a sense that I was entitled to more, that I deserved the things I wanted, and that when I got married and had a family that we deserved more.  So I retaliated by getting as many credit cards as I could and using them to get what I wanted and thinking that I would find a way to pay the credit card bills somehow.  I was reacting to my circumstances, which I felt were unfair, but it was the wrong reaction.

MP900149068 - Man Using ATM

I share this in hopes that anyone reading this who has similar feelings or thoughts may be helped to learn from my experience.  You see, although I was not necessarily addicted to spending, I was a spendaholic nonetheless because I knowingly spend money that I did not have by using credit cards excessively.  It wasn’t that I didn’t have a budget or that I did not understand how to budget, however, at that time my budget was based on hope rather than on reality.  Hope that I would get a better job, hope that I would be able to make more money, hope that I would be successful in business ventures that I started, and everything would be alright.  At the same time I was mad because I was in this situation and I felt life was unfair and I was reacting to my circumstances.  Whatever my reasons, they were wrong.

As I embarked down this road to financial self-destruction I was in denial and rejected the good advice I received from family and friends who tried to help me.  I would tell them, “You just don’t understand.”  Eventually I lost everything and had to work to reestablish my credit and rebuild my life.  All because of being a spendaholic.

Those experience in life taught me valuable lessons that I will never forget, and that I hope will allow me to help others by sharing the knowledge that I gained from having those experiences.  I know that spending can be addictive, but anyone who really wants to can overcome the addiction.  Just don’t let it destroy you before you take action.

Brave Souls Wanted:
If you would like to share with our readers how “bad” spending habits have affected you, anonymously or otherwise, for our upcoming special, “Confessions Of Spendaholics,” please send your experience to comments@knowyourmoneyglobal.com.

Helpful Videos:

Buying vs Renting A House:  The Advantages of Each

Teaching Kids About Money

 

Follow us on Twitter for more information about personal money management
https://twitter.com/Kn0wY0urM0ney

Copyright © 2016 CWR Media – All Rights Reserved

 

 

Knowing Your Personal Finances: What Happens When The Budget Comes Under Attack?

Donell Edwards, Blogger

Donell Edwards Publisher, Writer, Speaker

Donell Edwards
Publisher, Writer, Speaker

About Donell Edwards: Donell Edwards is President of CWR Media and is also founder and publisher of The College World Reporter (CWR) magazine and CWR World News & Information Service.  He is also a professional speaker, freelance writer, and entrepreneur.

 

 

 

 

 

 

 

Know Your Money
Monday – November 14, 2016
(First published March 11, 2014)

What Happens When The Budget Comes Under Attack?
By Donell Edwards

Before getting into today’s post I want to acknowledge that there is a diverse group of readers of our Know Your Money Blog.  Some have the financial acumen to be very successful in managing their money and read our blog merely because it interests them.  Others, although affluent, understand that the cliché, knowledge is power, is more than just a cliché, there is a great deal of truth in those words.  So they seek as much knowledge and information as they can get to be well informed on how to improve their financial skills.  Then there are those who are on a financial level where they feel stuck and would like to improve their financial situation.  And then there are others who are in real trouble financially and who are struggling just to get by from day-to-day.

I would like to say to those in the latter group, those who are struggling to get by, that I understand.  I can fully relate.  I know that if you have read our posts in the past there were probably times when you said this is meaningless to me because I don’t know how I will be able to get by from one day to another.  So how on earth am I supposed to have a budget?  I stay constantly behind on practically everything.  It is all that I can do to pay the mortgage or rent and the utilities.  Every day I drive an automobile that I hope will not quit before I go all the places I need to go.  I have to scrounge to find gas money.  And I am in almost constant fear of the consequences of an accident because I can’t afford auto insurance.  There are even times when there is not enough food in the household.  When I get a bill paid it seems like it is due again the instant it gets paid.  I am very fearful of the consequences of anyone in the family getting sick because I don’t know what I would do.  We are too poor to die, I would not be able to bury my deceased loved ones.  But some might reason, aren’t there social programs to help people with these kinds of needs.  Yes, but many people, while not having enough income for a normal life, exceed the income requirements for public assistance.  They are on their own.  I know.  I have been there.  I have experienced  some of the same things myself.

I know that for some reading this, you may have a very difficult time understanding how anyone could get into this situation.  If you have not experienced it yourself and you have had a fairly easy ride, you probably cannot imagine anyone being in such a dire situation.  Nonetheless, this is the reality for many people.  That is why it is so important to me to try to offer the help my neighbors in this condition need by sharing my experiences and knowledge through the information in our blog.

Today’s blog post is about what to do when the budget comes under attack.  That is why I wanted to acknowledge those who feel that a budget is not practical under their circumstances before embarking on today’s post, and to emphasize that everyone needs a budget.  We will discuss how to prepare a budget under distress in another post.  That being said, regardless of what financial level you are on, what can you do when the budget comes under attack?  When you have prepared a realistic budget and the unexpected happens, how can you effectively respond?

Young Man with His Hand on His Forehead

First of all, let us consider some of the areas in which the budget may come under attack:

Work Related

  • Demotion
  • Layoff
  • Downsizing
  • Reduction in hours
  • Termination

Family Matters

  • Marriage
  • Birth of a child
  • Divorce
  • Death of a mate
  • Caring for ageing parents

Health Issues

  • Illness
  • Disease
  • Injury
  • Long-term illness
  • Surgery
  • Disability

Miscellaneous

  • Theft
  • Fire
  • Auto accident
  • Everything else

It is very easy to become complacent when things are going well and the budget works the way we planned, but when any of the events listed above occur unexpectedly, or other things happen that attack the budget, we must always have a backup plan.  The best backup plan is an emergency fund, however, as we have previously stated numerous times, this is a process, and we have not gotten that far along in the process yet.  The emergency fund is something that we will discuss in the future.

However, where we are now in the process is evaluating and monitoring spending, developing a realistic, workable budget, and adhering rigidly to that budget.  So after having accomplished those tasks at this point in the process, when there is no emergency fund, how do we handle the attack on the budget?

First of all, it must be determined if the factors affecting the budget are long-term or short-term and plan to adjust the budget accordingly.  A short-term impact of only a few weeks or a few months is far different than an impact of a year or longer.  Whatever the situation, we must determine how to adjust the budget to allow for the additional expenses incurred as a result of the event or events that have occurred.  This means reducing payments where possible, eliminating items that can be eliminated, and contacting creditors and explaining the changed financial circumstances and where possible negotiating more affordable payment terms.  That is why it is so important to always pay bills, pay them on time, or early if possible, and to always try to pay more than the minimum amount due.  It is much more likely that a creditor will work with you in a crisis if you have established a good payment history and have developed a good relationship with them.

So, adjusting the budget is the first step.  If adjusting the budget does not eliminate the problem then other measures are necessary.  You will have to determine what measures will work best for you, but be prepared to make sacrifices.  It may be necessary to take a second job for a time.  If you own any valuables and the unexpected expense may be eliminated by selling valuables, that is an option.  For example, if you have jewelry, antiques, collectables, stocks, etc. that would bring in enough to pay the expense that is an option.

For those who do not have valuables that can be sold or assets that may be liquidated, finding items in the budget with the highest payment amounts that can be eliminated is another option.  Remember, depending on the amount of the expense and the length, it may be necessary to make some very undesirable sacrifices.  For instance, if you have a high vehicle payment and public transportation is available, an option for you may be to place an ad in the newspaper or online for someone to take over the payments on your vehicle.  Or if you lease your home or apartment, consider moving to a home or apartment that is less expensive if the expense incurred is of a significant enough amount and for a long enough period of time.  These are very drastic measures, but they may be very necessary to get back on track with the budget.

Start today working on your backup plan; don’t wait for a crisis to happen.  Consider what you would do if some of the things listed above happened to you, consider how your budget would be affected, what measures you would need to take in order to adjust your budget.  Although the emergency fund is later in the process, if you are on a course with your budget where you have or will have money left over each month, save as much as you can.  That will definitely help in the case of unexpected events that attack your budget.

We welcome your comments and suggestions on how to overcome unexpected expenses that strain the budget.   Just submit your comments at the end of this post.

Be sure to come back tomorrow for guest contributor Felicia Johnson and her post, “Making Change.”

Today’s Extra

By the way, I found the following video very interesting.  It discusses the negative affects of materialism on life and society.  This is very relevant to our discussion on money management and spending, because too often one of the root causes of poor money management is a materialistic lifestyle.  What is materialism?  The Merriam-Webster dictionary defines materialism as, “a preoccupation with or stress upon material rather than intellectual or spiritual things.”  The video really should cause each of us to pause and consider how we are living our lives.  I hope you enjoy it.

Are You A Spendaholic?  Share Your Experience

If you would like to share with our readers how “bad” spending habits have affected you, anonymously or otherwise, for our upcoming special, “Confessions Of Spendaholics,” please send your experience to comments@knowyourmoneyglobal.com.

Recommended Reading:

The High Price of Materialism
http://www.moneysmartguides.com/the-high-price-of-materialism

Four Steps to Making Budgeting Easier for Anyone
http://blog.credit.com/2014/03/steps-to-make-budgeting-easier-for-anyone-77560/ 

 

Follow us on Twitter for more information about personal money management
https://twitter.com/Kn0wY0urM0ney

Copyright © 2016 CWR Media – All Rights Reserved

Financial Literacy Month 2015: Is This Your Financial Wake-up Call?

Donell Edwards, Blogger

DONED2014 SmallAbout Donell Edwards: Donell Edwards is President of CWR Media and is also founder and publisher of The College World Reporter (CWR) magazine and CWR World News & Information Service.  He is also a professional speaker, freelance writer, and entrepreneur.

 

 

We’re Celebrating Financial Literacy Month

 

Know Your Money
Thursday – April 2, 2015

Financial Literacy Month 2015
Is This Your Financial Wake-up Call?
By Donell Edwards

 

We begin this Financial Literacy Month with a very sobering article from one of our favorite sites, MarketWatch online, entitled Most Americans are one paycheck away from the street, written by Personal Finance Writer Quentin Fottrell.  Even if you are doing well financially, could you improve your skills and increase your knowledge?  Remember, as revealed in yesterday’s post, much of the problem with financial literacy in America is not about a lack of knowledge, it a failure to exercise strict financial discipline and the willingness to make sacrifices.  So, if you are doing well financially, congratulations!  But don’t think that financial literacy should not be important to you.

However, the cold, hard fact is that millions of Americans fall into the category described in Mr. Fottrell’s article.  Why?  As previously alluded to, some know better, but just choose to make bad financial decisions.  Then there are those who are seriously challenged because no one ever taught them basic money management principles like, how to make and use a budget, how to effectively use credit, the advantage of having a cash budget as opposed to a credit based budget, the benefits of saving, and the importance of eliminating debt and learning how to invest.

It’s all about acquiring knowledge and making the best choices.  In Mr. Fottrell’s article he cites data from a recent survey conducted by Bankrate.com that revealed that 62% of Americans do not have an emergency savings fund.  If you are reading this and you are asking, “What is an emergency savings fund?”  Or if you do not have an emergency savings fund, you need help with financial literacy.  Not only does Mr. Fottrell list the lack of an emergency fund as a problem, he also explains some of the sad consequences for those who do not have an emergency fund.

Mr. Fottrell also cites a U.S. Federal Reserve survey of more than 4,000 adults released in 2014 that revealed that “Among those who had savings prior to 2008, 57% said they’d used up some or all of their savings in the Great Recession….”  Mr. Fottrell also discusses the impact of debt, the use of a budget, healthcare and much more.

 

Homeless People

 

 

Reading this article is a great way to kick off Financial Literacy Month, and should be a wake up call for many of us.  Here is the link to the article:

www.marketwatch.com/story/most-americans-are-one-paycheck-away-from-the-street-2015-01-07

 

Here is today’s step to financial wellness from Thirty Steps to Financial Wellness developed by Money Management International:

Assess Your Financial Situation

 

 

 

If you have questions or need help we are just an email away.  Send your questions to Info@KnowYourMoneyGlobal.com

 

We Would Like To Hear From You.  Are There Any Brave Souls Out There Willing To Share?
If you would like to share with our readers how “bad” spending habits have affected you, anonymously or otherwise, for our upcoming special, “Confessions Of Spendaholics,” please send your experience to info@knowyourmoneyglobal.com.

 

Follow us on Twitter for more information about personal money management
https://twitter.com/Kn0wY0urM0ney

 

Disclaimer:  I have a Bachelor of Business Administration degree but I am not a financial adviser. However, I have acquired years of knowledge about personal money management through my life experience working through my own personal finances that allows me to share that knowledge with readers of Know Your Money. The Know Your Money Blog posts written by me are my own common sense observations and opinions and are for informational use only. Although my blog includes contributions from experienced financial professionals, please make your own financial decisions based on personal research or contact a financial adviser.

 

Copyright © 2015 CWR Media – All Rights Reserved

 

Financial Literacy Month 2015: The Steps To Financial Wellness

Donell Edwards, Blogger

DONED2014 SmallAbout Donell Edwards: Donell Edwards is President of CWR Media and is also founder and publisher of The College World Reporter (CWR) magazine and CWR World News & Information Service.  He is also a professional speaker, freelance writer, and entrepreneur.

 

We’re Celebrating Financial Literacy Month

Know Your Money
Wednesday – April 1, 2015

Financial Literacy Month
The Steps to Financial Wellness
By Donell Edwards  

Today is the beginning of Financial Literacy Month, and there is only one way to say this; Americans are in serious trouble when it comes to financial literacy.  This is not an exaggeration, it is not being overly dramatic,  it is just the brutal truth supported by countless studies and reports.  The purpose of Know Your Money Global (KYMG) and our blog is to heighten awareness of this monumental issue, and to provide solutions, information, tools, and resources to help readers change their approach to personal money management and how they think about managing money.

During Financial Literacy Month this year KYMG will continue to feature the Thirty Steps To Financial Wellness program developed by Money Management International to provide readers with a step-by-step process to develop the skills they need to become more financially literate.  Each day we will feature one of the steps from the program.  In addition, we will also feature outstanding and informative articles from finance professionals and articles and posts from contributing writers.

We found an article that is a perfect to begin our promotion of Financial Literacy Month from June 2014 from CNBC written by Kathleen Burns Kingsbury entitled, Americans Need A Financial Wake-Up Call.  We strongly recommend this article to our readers, especially any who may have doubts about how severe the financial literacy problem in America is.  Ms. Kingsbury begins her article by making a very insightful statement that is at the heart of this problem for so many people , “You know what steps to take to improve your finances but you fail to take them.”  So, a major part of the problem is not a lack of knowledge, but rather a lack of discipline.

Whatever your financial condition may be, we encourage you to make the commitment now to use this Financial Literacy Month to become more financially literate by reading the recommended articles, and by visiting the Money Management International and other recommended websites, and each day at least reviewing the featured step from the Thirty Steps to Financial Wellness program.

 

Businesswoman with Arms Outstretched

   
   

Today’s Financial Wellness Step from Thirty Steps To Financial Wellness developed by Money Management International:

Commit to Change

Take the Pledge

 

If you have questions or need help we are just an email away.  Send your questions to Info@KnowYourMoneyGlobal.com  

 

We Would Like To Hear From You.  Are There Any Brave Souls Out There Willing To Share? If you would like to share with our readers how “bad” spending habits have affected you, anonymously or otherwise, for our upcoming special, “Confessions Of Spendaholics,” please send your experience to info@knowyourmoneyglobal.com.  

 

Follow us on Twitter for more information about personal money management https://twitter.com/Kn0wY0urM0ney  

 

Disclaimer:  I have a Bachelor of Business Administration degree but I am not a financial adviser.  However, I have acquired years of knowledge about personal money management through my life experience working through my own personal finances that allows me to share that knowledge with readers of Know Your Money.  The Know Money Blog posts written by me are my own opinions and are for informational use only.  Although my blog includes contributions from experienced financial professionals, please make your own financial decisions based on personal research or contact a financial adviser.

Copyright © 2015 CWR Media – All Rights Reserved