by  Kevin Smith   

One of the biggest contributors to negative spending are warranties.  The moment you give money to anyone, especially a warranty company you are putting them in control over the spending of your money.  When I purchased a home the prior owner included a home warranty.  Had they not already purchased it I would have offered them

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by  Kevin Smith   

You work hard for your money and you want it to be there to support you in some of the things you enjoy in life.  How do you respond when the car suddenly has to go in for repairs or your monthly bills come in and your hard earned money now has to support your

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by  Kevin Smith   

It is so easy to do.  You know income from that sale you made is coming your way or money from your regular paycheck will hit your bank account soon.  Today, your financial resources are running low.  You are being pulled into a decision to spend your future income today.  What do you do?  For

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